FOR LABOR, YOU REALLY CANNOT RETIRE UNTIL YOUR PROPERTY IS PAID OFF. WHEN I WAS YOUNG, IN THE 1930'S, LABOR BOUGH IN THEIR 20'S WITH 10 YEAR MORTGAGES. TODAY LOTS OF LABOR BUY LATER, WITH 30 YEAR MORTGAGES, AND MAKING PAYMENTS IN THEIR 70'S. WOW...... JUST THINK OF ALL THE MONEY THE PEOPLE USE TO SAVE, RATHER THAN MAKING HOUSE PAYMENTS. INTERESTING FUTURE, AS PEOPLE WILL LIVE TO BE 100. AND STILL SCRUBBING FLOORS. AS THE INHERITED WEALTH FAMILIES KEEP GETTING RICHER, AND RICHER. AND NEVER NEED TO MAKE PAYMENTS. (MY GRANDCHILDREN WILL NEVER MAKE PAYMENTS. BE LANDLORDS. BOW TO THEM. ALL BECAUSE MY INHERITED WEALTH IS TAX FREE. THANKS TO CONGRESS.)