[xoxoxoBruce]

This was a major bone of contention between me and my Ex. I wanted to eliminate debt, and she wanted to pay minimum installments, and blow the rest.
When the interest rates dropped dramatically, I refinanced the house. The woman said your monthly payment will drop from $550 to a couple hundred. No, no, no, leave it at $550 with the lower interest rate.

Paying the mortgage every month is just a chore I did automatically without thinking about it, as it's a very long term obligation. One day I got a letter saying the next payment would be the last, and the amount they calculated would be $xxx.xx, which was lower than normal. Caught me off guard because this was seven years early.

Suddenly I've got all this extra money every month to save. Nope, that's goes against my life long fear of dying with unspent money. Eliminated debt, bought toys, and knew a lot of people who a few unexpected bucks now and then, could make giant strides in their happiness and well being.