Finally a home owner at 41. Paid all cash. I felt comfortable and still have enough savings for a rainy day but most people are telling me that I fukked up and should have kept my money invested. I just hate debt.

Mortgage payments are deductible. You'd been better off taking it, getting as good as interest rates as you could swing (which, nowadays – not so great, so maybe your cash up front decision wasn't that bad), but in the past….

- Get low rate
- Write off the interest payments
- All the extra money, if there was some, invested and making more money