<prompt> Human: Read an article on MSN about why you shouldnt pay off your mortage. One claimed reason was this: The main reason people try to eliminate their mortgage is that pesky monthly payment. Lets say you bought your home with a 30-year fixed mortgage and paid every month on time without refinancing. The month after your last mortgage payment, you still have to make a payment on your house. This time you are paying your taxes and insurance. What was once conveniently saved monthly for you by your bank or lending company is now your responsibility. Thus that pesky monthly payment you tried to alleviate continues. It is proven that an affordable mortgage payment helps individuals and families run and maintain a personal financial budget. It just helps everyone plan and maintain a financially healthy mindset.How can someone possibly get paid to write this trash?Its STILL my responsibility to pay taxes and insurance even when I had a mortgage. Ive ALWAYS had to come up with the money. And then hes claiming your payment continues. Yes but its drastically less because Im not paying principle and interest dumbass!!!  <response>: I work for our county treasurer, collecting real estate taxes. Our county has an optional monthly pre-payment program for people who pay their taxes directly. Its a great option for those who are used to escrowing, or just anyone who finds it easier to pay monthly than semi-annually. 