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My plan is to have enough to pass onto the family. However, I also intend to "teach" my future kids the financial smarts you dont learn in school.... a-la "the rich dad" lessons Kiyosaki talks about in his book. Give them a hand to get started on their financial wealth building, and once...

Pushka - yeah they made that choice, and thats fine. I just suggested that *perhaps* they mightve made that choice through ignorance or lack of knowledge about better financial alternatives to the choice they did make - you know, how they could've had the cake and ate it too :)

possibly their bank manager or a MB or FP or someone told them about the equity in their home, and how it was now worth so much more than their mortgage, and how they could "spend that equity on doodads".... of course with the intention that they REFINANCE their home to spend on the doodads...