 way to go pay it off you're not going to regret it and if you do we always joke you can go back into debt but we haven't got that call yet john uh dear bank i hate owning my home outright uh give me some cash so i can have something to pay every month yeah i just need a challenge i need the hustle no thank you that puts this hour of the ramsay show in the books thanks to dr john deloney all the folks in the booth keeping the show afloat and you america will be back before you know it