I see both of your POV. I see his side that it will take longer to pay it all back. But I see yours in that you can put everything off forever, and sometimes doing these things can be important to you. For me I am desperate to travel, and I don't want to wait until the house we are building is totally paid off. I think a balance is a good idea. What things can you wait for? And what things do you feel are really necessary to do now?