My point, as my brain swirls with activity, is how the heck do we save $40,000, if that is in fact what we need. That will take us years. We could literally live here for three or four more years while we pay down the mortgage and bank every penny.
Glad I did not get my nails done this weekend.
The most frustrating thing is that with our current income we could certainly swing a high mortgage payment. We are paying one now.