My truck is 3.49% and my house is 3.375%. Good points on the car. I seriously doubt I buy anything "NEW off the lot" withing the next 10 years. I am in a good position as I get a company truck next year. My plan is to get rid of my wife's small SUV and put her in the tuck until I can wiggle into a bigger SUV for a good price. One thing I do not have that I read is good to have is a savings of close to a years salary. Right now I just have an emergency fund and then 2 months of salary.