Whether you decide to become debt- free and invest or keep your mortgage and invest, the bottom line is to become proactive about your finances. I just know the positive change that has happened with me and my sister and sister-n-law. We have hope and a cloud has been lifted. So, read 3 or 4 planners ideas and go with what works for your family. In the meanwhile, save and try and get rid of unneccessary things that are costing you.