We're living in Canada, and working our tail ends off to pay off our mortgage and line of credit. We currently owe $101K, and are hoping to have it all paid off in 3 years (our payments towards these 2 debts is just over $2,000 p/mo). Our income is around 75K p/year. Are we on the right track? I feel like we're really behind the 8 ball... we're 50 & 54, and our home is just a duplex, a very nice one, but not a free standing home. Should we have been out of this years ago??