I did not mean anything threatening by what I posted. I am not downplaying the fact that he is at a very good point in his life and I would love to be in that same situation. All I am saying is that he is fortunate to have had built a house for cheaper than what most people pay and was able to get a great loan not available to most people. Those are big things that helped him accomplish what he was able to accomplish. I know that I too make a lot of sacrifices, but with two young children, I know I will not be out of debt for at least 20 more years, and I'm perfectly ok with that. I do not know if Jwill has any children, but any money I would be putting towards debt is definitely being spent on them. Again, I am not taking anything away from him. What he did is truly a great accomplishment.