Young Dreamer Needs Help

Thanks for everyones responses... I ve decided to refinance my 2nd mortgage at 6.12 fixed equity rate and pay out the 18k 3 year buyback.

Janie, if i leave my vested retirement account and collect a pension at 50, it includes health insurance which does not charge monthly dues. This of course can change in the future but I will still get the employee group rate. Luckily there are no penalties for retiring at 50 since the monthly amount of the pension is based on the doubled balance in the account and the actuarial factor at that time.
 
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