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also, having a free and clear home is not the wisest choice. Real Estate with either appreciate or depreciate in value irrespective of the amount owed on it. if you can pay 4-6% interest annually on a mortgage balance and have a greater portion of your net worth invested wisely you will have more for your retirement nest egg in the long run.
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Getting knocked down is no sin, it's not getting back up that's the sin
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