WOW Andrew, that's a truckload of mortgage dude!! Man I'm so glad those days are over, mortgage payments were a real party killer. But having said that, once the celebrations of paying your house off are over, you'll find somewhere else to bury the $3K per mth into
You'll be amazed at what everyone on here spends unconciously.
Everyone should try this experiment.....spend the next 24 hrs writing down EVERY expense per mth including your yearly expenses (divided by 12 obviously), even the stop at Cibos for your lattes. Once you've calculated everything, add between another $50 to $100 per week to that figure cause that's how much you haven't taken into account with emergencies that may come along. Take that figure and subtract it from your NETT monthly income and if at least 50% of you don't register a negative result, I'll give Nightcrawler a big tonguey!!