Summer is over. My husband is back in his fifth grade classroom, my daughter is in grad school and my youngest- the baby!- is a senior in high school. The return of the school year, along with the increasingly chilly nights, is a sure sign that fall is peeking around the corner. I've mentioned in a previous post that my husband is eligible for an early retirement incentive in two years. That is somewhat earlier than we were planning on his retirement, but the opportunity is too good to pass up. We have committed to spending these two years paying off all our debt, except for the house, which will be paid off in a few short years. One of the reasons this somewhat unexpected retirement is even possible for us to consider is that we never moved out of our "starter home". When we were looking to buy a house in 1994, we had a small baby, my husband was at the bottom of the pay scale, and our only requirement was that it be the cheapest house in town. ...