We thought that by coming together here at South Oak Cliff, we would be the state champions,

I'm still glad we are here,

That has to start now.

If you could invest in a tax-deferred account such as an IRA or 401(k), the pretax rate of return would be equal to or greater than the post-tax cost of the mortgage.

For far-sighted people who have self-control (to save elsewhere), it probably makes sense not to repay their mortgage.

We need to show them they should have taken us,