If the inflection point is 7 years, then my policy would be worth $84 after 7 years of paying $1K a month.

It seems like there a few inflection points in your story - what was it like jumping from the 5 to the 13?  

I'm Asperger's - no one knows that better than someone like me who isn't "wired" to read body language, voice inflection, etc.You might want the rule to be that "one service animal" means one service animal.

Even at -5%, it would take over a year.Job openings are at all time highs; so, wage growth should continue, particularly for the bottom 50% of households.Spending estimates by all income levels, but most significantly lower incomes, are at record levels and inflecting higher still.Average tax refunds are higher (due to child tax credit).The data shows that the biggest segment of society is doing better than ever...that's what causes inflation! 

Even Alabama perform better than CA since May 2022.So if we use 2010 to 11/2022, Hawaii is winning over CA in term of appreciation.You could just use Zillow to display this.I guess, things started to change when some CA cities approached 1 or 2 cap rates, there're a few expensive cities where prices just go south as price it's too expensive, especially in 2 mils. dollar house zip code.I guess we're at an inflection point.

There will be a point of inflection where the decision will be "Should I leave the job now".  

It hastened the deaths of hundreds of thousands of the very elderly who would have died within a few years, and it hastened the inflection point at which maturing families decide to leave NYC, as they always have within a few years. 

if it would make you generally feel better to be debt free however then your question is answered better with psychology than finance my personal inflection point for paying off loans is around 5% depending on if the loans are tax deductible or not.

I think we are close to an inflection point.

Not many on BP will have gotten there with no debt.But, conversely, many who are or have been retired choose to pay all debt off.There’s an approach to get you going, and an approach to feel confident in early retirement.Many investors who dont know what that inflection point is will continually leverage thirsting for more, and ultimately wish they’d listened to Dave.