One more thing. Real household inflation is moving at a far greater rate than your interest rate. The government may say the inflation rate is lower but your grocery bill says its much higher. Making double or triple payments will be less significant sooner than you realize.


"Never Trust Government" -- Smart people.
"The Great thing we should Fear and the Weird Thing we Trust is Elon Musk" -- Me
"You can be broke but you cant be poor." -- Ruthie-May Webster