I dont believe you are taking into consideration appreciate and long term savings/planning. If you pay your home off in 15 years, then you also only have to wo

I dont believe you are taking into consideration appreciate and long term savings/planning. If you pay your home off in 15 years, then you also only have to worry about maintenance and taxes. If it appreciates greatly when it comes to retire you can move to a more affordable area and take the rest of your appreciation with you for the nest egg.