A few anecdotal points:
1) paying off mortgage early makes sense if your interest rate is 7% or higher. I think money is best spent investing into a balanced fund if rate is under 7%, then paying off mortgage when balanced fund equals the mortgage balance.
2) anyone which gets into the programs mentioned in 4 pages of threads here is a sucker and deserves what comes to them, People need to be smart on personal finance and be willing to question to everything money. I question how much my wife pays for a box of cereal. Many others just pay the high prices. If people are willing to pay, good for the companies which make money on them.
3) I agree with the posters that mortgages are needed, and should NOT be entered into lightly. I have had 4 mortgages and it's clear I will be paying more than my house is worth to get it off the books, but it's necessary to own property if a member of the middle class.
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