My husband and I have been working to reduce our debt-load. Our hope/plan (we PLAN to do it, but Life may intervene) is to enter our retirement years with only a manageable house payment as debt. To do that, we are in the process of setting up a payment schedule that targets debts, avoids incurring further debt, and uses assets/income with that plan in mind at all times.
In short, it won't happen because we HOPE it MIGHT.
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