It was our broker who told us to sell some of our mutual funds off and pay off our home. He knew our income was beginning to drop and that we were debt free. He’s also a fan of Dave Ramsey. He told us he really thought we should be totally debt free at that point. For the past four or five years he’s been encouraging us to continue toinvest in retirement and college but to sock away cash rather than put money into extra investments. A lot of people can’t believe there’s a broker from a big named brokerage firm who actually discourages clients from surplus investing, and I was initially very shocked when he’d try to dissuade us from buying extra funds and squirrel cash away. Anyway, he gave us the shove we needed to just do the deed and pay off the house two years ago, and I’m very thankful for his advice.