A client writes... "Dear Greg, Help! We have the funds to pay off our mortgage, but my husband is adamant about hanging onto the mortgage! We just started seeing a financial/tax planner. They also say that we shouldn’t pay off our 6.75% mortgage. Two reasons, tax break and something about using...

Smart spending is a powerful tactic in the debt elimination strategy. It's the easiest way to create tax-free cash. For example, if you wanted $100 extra cash to contribute towards your debts, and you were in the 25% tax bracket, you'd have to earn $133.33, just so you can give $33.33 to the...