Mortgage free really is the best thing we can do for ourselves. Its hard to see family buying homes they will struggle to pay off for the next 30 years. I have a SIL who has refinanced now like 4 times. If they keep refinancing over and over at 30 years they will never pay it off. What happens if one of them becomes disabled? Its pretty scary. I was working on floor plans tonight for our house. We plan to start building this spring on land my parents gave us. We should have a pretty large chunk in the bank to start out with, and then its build as we can. That part is scary. Should be able to still finish it off in a year. Really working on the most efficient, effective and comfortable plan we can come up with. The house won't be as big as some think it should be but will be pretty spacious to us. Right now all 6 of us have taken up temporary shelter in my parents attic. Crowded does not begin to cover it. I think we have put more planning into this house than we will actual building time. We have been tweaking these plans for a couple years now. I think once our home is built I may look for more land to buy so the kids can do the same when they are older. If they can avoid school loans and mortgages they stand a pretty good chance at having some security.