Sometimes, I wish I were a 4th-century king in medieval England.

I would spend all day sitting on my throne, deep in thought, slowly sharpening my broadsword and staring out into the abyss. My subjects, fearful of breaking my concentration, would whisper amongst themselves. “Perhaps His Majesty is coming up with a way to reduce taxes? Maybe he’s planning an invasion of France?”

And then I would suddenly stand up, skewer an unsuspecting roast pig, and roar, “YES! IT TOTALLY MAKES SENSE TO PREPAY YOUR HOME LOAN!!!!”

Then I would sit back, smile, and tuck into my meal. Peace would return to the kingdom. No longer will my people be subject to the yoke of interest rate slavery ever again.

(Sorry – it’s been a long week and I had to let off some steam)

The Conventional Advice And Why I Think It’s Misguided

Maybe you’re like me: …