You just changed the rule yourself. We were talking about paying off your house, but now, you changed it to paid off w/ 1 case and 27 years for another case. But you know what, I’ll just say this, I said what I need to say and since you love to win, so, you win. BTW, after 30 years, one person have their house paid off and the other person still have $90k loan on the house. So if the house sell for $600k in 30 years, the person who paid 600k will have paid $764020 to live in that house. The other person who waited 3 years, they paid $500k for the place and sell it for $600k will have paid $762911.45 to live in the same place over the same period of time.