Only 6.8%? Unless I'm living paycheck to paycheck, 6.8% is an absolute bargain for 5 hours of more free time each week, assuming a 30min commute. 5h/week are e

Only 6.8%? Unless I'm living paycheck to paycheck, 6.8% is an absolute bargain for 5 hours of more free time each week, assuming a 30min commute. 5h/week are equivalent to at least 4 weeks of PTO in a year. Plus, vehicle maintenance costs, gas costs, and I can do chores around the house any time I want which saves even more time because I don't have to plan my day around the washing machine.