Seriously, though, I think owning outright a roof over your head should up there on the priority list.

Silver, I agree. In the end all that matters it that you are warm, and healthy. All the rest is a bonus. We should keep this in mind at all times. I am in Florida right now on vacation. You would not believe all the closed buildings, stores, businesses etc. I have travelled to many 3rd world countries. Only 5% of the world's population live like we do. The other 95% live from day to day and all they are concerned about is putting food on their tables for their families.

Q