all right next is to pay off the house early so this is a really big deal and we talk about 15year mortgages versus 30-year the amount of interest you can save on a 15-year but even when you work the baby STS you guys on average people pay off their homes in 7 to 10 years so when you do that not only do you free up that mortgage payment but all that interest that extra money that's going to the bank.
