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I just took out a 30 year mortgage for an investment property and I'm 55.

Both my parents are dead now, so I'm putting myself up for adoption and only multi millionaires need apply.

It could improve once the kids have found their own way, though that would seem to be some distance away.

That's true, but it seems to be a bit of a trap for the self employed as you never know when it could all stop. Make hay etc..... without band practice, jamming and weekend gigs, I would probably feel worse about it.

I still average 50 or so hours a week.