<prompt> Human: 30 years old in blue collar for 3 years now netting in about 50K a year with OT 30K base. Max income after a decade is about 60K net without OT so the long timers here are making well over 120K with OT. The only debt I have is a 500K home mortgage 4.2 30 year jumbo fixed and I just want to aggressively pay this off asap. I have about 70K saved and about 20K between my 401K and IRA. I know im behind on my retirement, but I really dont spend my money much on anything really and am just putting in extra payments on the home. No spouse or kids and live comfortably well below my means. My belief is that once ive paid off my home, there is literally no point in continuing working myself to death to make more money. Ill finally be able to relax and just work 40 hours a week which literally has never happened as i put in at least 60 hours a week since i started.So im thinking... Would it be a good idea to get as much overtime as I can during my younger years then sign off the OT list once i have paid off my house?  <response>: 50k with 500k home seems like a big ratio of dept to income ? 