I’m 33 and Mortgage Free..

Yet somehow more stressed than previously

Jordan Fraser
Money Clip


A celebratory pizza. Photo taken by author

It’s a strange place to be in, and somewhere I’ve dreamed of being for a very long time.

For the past 12 years I’ve dreamed of paying off this mortgage. The combination of two houses bought separately and rolled into one mortgage, then aggressively paid off with a tenacity I told my friends was “my battle with the bank.” I felt as though I was at war with the bank, and fighting that war gave me purpose.. so now what?

Now I’m back to square one. I have a house (one was sold a few years ago, one was kept), and an entirely passive rental income that hits my bank account every month, and will continue to do so for the rest of my life.

It feels as though the game is over, I’m watching the credits roll, and now I’m wondering what the next game will be. I have my prize, but now I need to know what’s next.

The exciting thing is that I can buy another house and start the game over, except with a huge advantage. The money coming in each month can contribute to a new mortgage, turning a potentially unaffordable loan into something far more manageable.

But the excitement is dwarfed by the fear I have of doing the wrong thing with this money, of…