I won't be in a hurry to pay off a mortgage at 2.0%. I did the 15 year because the rate was 1/2% less. But I am not going to worry about paying any extra principal at that rate. I took out some cash to finance a business expansion at a rate the SBA couldn't come close to matching.

The market is nuts right now. My home appraised for 25% more than I expected. A 65% increase from what I paid for it 2 years ago. The comps in the appraisal blew my mind. I am extremely sad for anyone buying a house right now. My feelings were exactly the same as I watched 2 of my siblings buy houses right before the bubble burst in 2008. They both foreclosed a few years later as they owed 20-30% more on their houses than the value.

I think my young adult children will be living with us for a few more years at this point. Tiny houses are the future for many young adults.

On a side note, banks are as dumb as ever. I provided them self prepared taxes, evidence of insurance with me as the agent, bank statements from a scanned PDF, and quarterly financials prepared by myself. It could all be made up and they didn't even question it. They were hung up on paying off a credit card with a $300 balance when I had 24 months of reserves in the bank.