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My situation was a lot like yours -- I was planning to retire at about age 50 -- but early this month, my employer saw fit to push me through the door ~2.5 years earlier than that. Still, I think we'll be OK, at least as long as my wife continues to enjoy her work in ministry and our new congregation wants to keep her.
It will feel really good to pay off that mortgage. I haven't had one since 2006, and the feeling you get knowing that you can now live on a LOT less income is very liberating.
"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)