I agree with all of you “younger” guys, because I was doing the same thing when I was your age, but, building wealth then seemed to be less of a challenge than it it today.

Also agree that paying off a home while you are younger, and in the wealth-building mode, might not be the best thing to do–especially if you don’t have your ultimate nestegg, medical coverage, etc., etc., covered for the balance of your life–and that “number” will be in the millions for anyone in their 30’s and 40’s–if you want to live well.

Going back to the OP, I’d guess most of the 21% have everything covered, so it’s probably not a problem