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It wouldn’t be news say that interest rates have been fluctuating. We managed to get in on that crazy action and hit the elusive sweet spot: a good appraisal in a crappy market AND a kick-ass interest rate.

Today we signed our mortgage papers on a refinance that will theoretically put us out of primary mortgage debt by the time Adam graduates from high school.

It also marks the first time I’ve ever realistically planned this far in the future. It is a little unsettling to realize that in 2023 I’ll be…(I had to do some math) I’ll be old. oy vey!

I can’t even see the grown-up in the pre-schooler, but in 15 years he’ll be there. As my mortgage shrinks, my son will grow and grow and grow, potentially up to 6’4 (so say the growth chart calculators).

Aaagh! It’s all too scary to imagine. Kindergarten, grade school, junior high, puberty, high school, girls, cars, moodiness, authority challenging, boundary pushing. Seriously, aaagggghhhhh! I’ll just try to not concentrate on what the next 15 years actually mean.

Anyway, in anticipation of all this and saving ourselves a theoretical $150,000 dollars, we signed a bunch of mortgage papers today. The idea that we have greatly accelerated our path out of debt is a pretty good feeling.