i think i get it. i refinanced and reset the period to another 30 years that wont be over till im about 80. my wife thought this was terrible, restarting the loan. i was unable to convince her it was the right thing to do, but i did it anyway. since I am resolved to not paying it off early, the best course of action is to restart and get the 1% lower rate, regardless of whther I might theoretically pay more interest over the next 30 years. I am expecting the mortgage payemnt to hopefully seem tiny in 10 years. already, when i look at estimated rent on our place from zillow, it is more than 50% higher than it was. i cannot visualize who would be paying such a high rent, but i guess someone must be. so that mortgage payment should be correspondingly itty bitty looking sometime soon. hell, I’d refinance again and restart the period forever. I dont care …i dont feel like having the house paid off would make me feel more safe. just having a small monthly nut is what makes me feel safer
