[coach]

I'm a Dave Ramsey fan like an earlier poster. Here is a question he would ask." In today's market, if your house was completely paid for, would you take a mortgage out on the property to invest in the market?"

My answer is no. The point many advisers don't factor in is the risk. The potential return of 10 % in the stock market needs to be balanced against the certain return of not paying 6-6 1/2% for your mortgage. When you consider risk, taxes and the joy of no debt, I would go with a home in TV and no mortgage.