<prompt> Human: Mortgage paid in full. 110,000 mortgage taken out in Feb. 2003, payment of 800 month, regularly paid 400 extra per month for 11 years.Next goals: 20k each in 2 college savings funds right now stands at 2k each...1 million dollars in retirement funds right now stand at 200kIncome is around 60k and no other debt. Here is to living completely debt free and to decent stock returns over the next 20 years :Advice for young people, just stick to it be consistent, set a budget and live way below your means. Dont let possessions run your life, stay healthy and positive. I am 40 years old and didnt make over 15k in one year until I was 25, so I got a little slow start but I was definitely able to make up for it.  <response>: congrats! impressive job on only 60k not that that is a small amount of money though 