I wish you success in making those 11 payments so you own it outright. It's the best feeling to not be in debt; there's a certain security in that, but you do have to protect that investment.

Setbacks can be hard to move past; our "retirement" is that we own our house outright, but making the taxes around here — after a long series of setbacks — has been a challenge.

Here's to us all making it through!