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...how about "How to retire where you have your mortgage paid off". One less expense to worry about in my opinion.
Couple things about the NYC portion..
1. Heat and humidity - you have experienced NYC in June, July and August, haven't you?
2. Figuring $900/mo now increased gradually from $100/mo over 50 years is $998,000 at a
curve in interest rates over those 50 years - may have been better off to buy in 1960
pay off by 1980, move to a lower cost city in 2000 by selling your paid off abode. Rent
control or not, you have loooooong since boosted that landlord's gain fifteen-fold. Could have been
your gain with realistic potential to buy all-cash your final home. Rent that long if you want nothing
to show for it.
3. NYC = tipping gone wild - EVERYONE has their hand out these days.
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