35 here, should be out of payment in next 12-18 months. Plan is to live here for a year while we look for ground/lot in area we like and build. Can use VA so hoping rates stay low and build a home to get us to retirement and rent the current one. Might work, might not, but figure as long as we planning for retirement and can afford to live while kids are little it will be fine. Could get in a crash and be gone tomorrow so we just take it day by day.
