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Be A Banker
The prevalent myth-conception is that there are only two kinds of people in the world: those who earn interest and those who pay interest. There is really a third kind of person: those who do exactly what banks and credit unions do- borrow money at a lower interest rate and invest it to earn a higher interest rate. These people accumulate a much great degree of wealth than most people, because they have learned to be their own banker. You maintain that you do not need to pay off your house to be considered “out of debt.” If you have a greater amount of assets in a liquid, safe environment than is needed to wash out liabilities, the net result is positive.