MiddleAgedMan
Hanging on in quiet desperation is the English way.
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User ID: 600
My non-Hispanic US middle schoolers have been talking about kids at their school doing this for at least two years, for what it's worth.
I did previously, and paid off the mortgage about 10 years early. At the time the interest rate was several points above anything from a Treasury, so it was a clear winner in terms of present value. Since then I have invested the monthly payment+extra according to my overall strategy and have no regrets about my decision.
Having a family with two school-aged children and a fairly risk-averse wife did play a small part in the strategy.
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This works pretty well with universal free school lunch in my area. Rather than having to load money on cards and check everyone's meal each day, the kids simply present their school ID and get food. Those who don't want it on a particular day (or ever) can eschew it, or give it to their friends. I'm not sure how well that will scale, but it definitely agrees with my internal fairness adjudicator.
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