I agree! Fortunately, like you I'm pretty much debt free except for my house, but then again using someone else's money at 3.5% just makes good financial sense. My money has gone to my four kids for college, and while not attending Ivy League schools, they are getting great educations and coming out with no student loans. That takes a enormous load off my shoulders as well as theirs.

Today's update: I will receive my testing paperwork either tomorrow or Friday and of course will have only two days from then to take my HT. Unlikely I will get results from either of my own personal tests before then so I'm pretty much walking into this one blind. I'll be doing 2 more Mac's today and 2 each day until I take the test. The day of the test I'll finish with a Mac and a Zydot treatment. I'll keep you posted.