09/01/2026
I'll spend close to $68,000 over the next 30 years and hope I never see that money again.
The only way it comes back is if I'm not around to spend it.
So I don't want a dollar of it.
Thirty more years of payments. No refund. No receipts. That's fine by me.
People tell me it feels like money down the drain if you never use it.
That's backwards.
The day it pays out is the day I lost.
It's there if my family needs it. I just don't ever want them to need it.
The house paid off. College handled. Lauren able to step back from work and just be with the girls instead of figuring out how to do both.
Every payment is a bet that I'm going to be at the table for all of it myself.
And if I lose that bet, the four of them don't lose anything else on top of it.
My girls will inherit a lot of things from me.
This is the one I hope they never have to.