That mortgage thing is confusing to some. I know a guy that owed on his camper, his boat, his pickup and his house. I said he best get out of debt before he retires. He came back at me a couple weeks later and said he was out of debt, and then he retired.
What he did was refinanced his house to pay off all other debt. He wound up with higher house payments but does not believe his mortgage is debt.
We retired Scott free out of debt and remain so to this day. Any money left over after paying bills is ours to spend as we wish.
Same here starting in 1999. Don't owe nuthin' to nobody.