Hello everyone. It's nice to be a part of an awesome club such as this with other like-minded folks instead of those shouting at us from the rooftops of the foolish errors of our ways of not using that money to invest. Just a little bit of background info: I am a '03 Naval Academy grad (English major) who served on the USS Shoup but was able to get out after two years (and three deployments!) when the Navy asked some junior surface officers to get out early before fulfilling my five year obligation (blessing indeed). I got out and earned two master's degrees in education virtually free using the Hazelwood Act as a Texas resident. My hubby is from Pittsburgh who is a '04 Academy grad (naval architecture major) and who was also a prior nuke machinist mate. This month he will have 16 years in active duty as a pilot, and our plan is to retire right after he hits the 20 year mark. After retiring, we'll probably move to the San Antonio area. He has absolutely no interest in flying commercially after leaving the service, which many of his fellow pilots are already doing. Right now we decided as a couple to stop contributing to his Roth TSP (we had been investing 15%) to pour every available cent to pay down our 15 yr mortgage as quickly as possible. We are currently in FL. The idea being pay it off (about 128k remaining) ASAP, sell the house, and use that money to buy our forever home in TX and not have a mortgage at all- to live true financial Independence. We'd both then become substitute teachers which makes about $95 a day and basically choose to work when we want. I'm 37 and he's 38. He'll be receiving a pension from the military of about $42k a year when he retires, God willing. I've mentioned our plan to only a few people and immediately were a bit chastised for not investing in the stock market instead of paying off a 15 yr mortgage at 2.875%. We're paying off our car this month, and we will not have any other debt other than the mortgage, which will be paying approximately $2k towards beginning in June. Other financial deets: We've completely stopped all investing for the moment to pay off the mortgage; we have about $6k in an online savings acct for emergencies, $100k in combined Roth IRA's through Vanguard, $50k in his military TSP, and zero debt after paying off our car this month (woohoo). That's it in a nutshell. Any words of advice, concern, praise, or criticism is greatly appreciated! Thank you for reading if you made it this far!