At some point, most of us encounter a situation where we have to pay for a major expense. This can be a new car, a medical emergency, our perhaps our child's college tuition.

Almost every homeowner dreams of the day when they can own their house outright. With this dream in mind, paying off your mortgage ahead of schedule can seem like the best financial option.

Many of us have some form of debt, whether student loans, credit cards, or mortgages. Debt can be dangerous, but it is also a powerful tool, and using debt responsibly is also one