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.

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

That has to start now.

I’m still glad we are here,

I get home about 9:30 every night, … But it could be a lot worse. I could not have come here to South Oak Cliff.

We need to show them they should have taken us,

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