Jade Warshaw

Would that make you feel better about us loosening the purse strings a little bit and enjoying our retirement?

There's security in owning your own home free and clear, not the bank owning it.

Right, right.

Let her pay the insurance and taxes and she can have a field day.

But if she's worried about money and she's also saying, I want to keep my $700 payment, well, now we have two conflicting opinions.

Do you want to keep the interest rate or do you want to enjoy retirement?

Yes.

I vote for enjoying retirement because the truth is, Neil, you're 75.

I hope you guys live to 100, but we don't know what the future holds.

And some people hoard the money and go, well, when we're 80, we'll enjoy it.

And then there's a health problem.

And now they can't travel and they can't enjoy it.

And so there's a great book, too, called Die With Zero.

I don't agree with everything in the book, but the general premise is pretty good of enjoy your money while you're alive and spoil your kids while you're alive and not hoard it until they're in their 60s and you give them a million bucks that they don't need anymore.

That's right.

It's time to live.

So I hope she's listening, Neil, and I hope that helps.

But I would sit down with a professional who can run these actual numbers and show her the truth and show you the guardrails.

Hey, you can spend between this and this and be totally fine.

Even in a worst case scenario, here's where you'd be.