That's exactly what I was thinking ! ! My last statement reads .01%

And, I'd like to know which investments have been / are returning at 15 /20 %. I just got statements yesterday and I can now see mine starting to crawl back up in value after the awful dive they took. Yes, I am diversified.

My financial planner too, says not to pay extra on the house. Each person has to balance what their entire financial situation is and remember that if you pay extra on the house, it's less for the financial guy to have! wowitsdark gave a great explanation about supposedly saving on taxes vs what a person is paying in interest. I've been paying extra on principal because we owe nothing else and will have my house paid off in about 10 years total, not the original 30.

I haven't read the DR thing because we don't need it. Common sense would dictate to be careful about need/vs/want, pay off the higher interest first ( or never get there to start) have savings to see yourself through a layoff, medical emergency, etc., as well as plan for college, retirement, etc. as these things apply to your life.

Now back to work to support all those with their hands out, constantly getting filled

dl