I agree with you. I am just 57 and sold my home and decided to try and pay off my RV while I was still employed and now plan to have it paid off in five years. God Willing. I live in a very economically priced RV park which has no fancy bells or whistles, but only cost $200/month plus your electricity. I am saving money while getting used to living and traveling in my RV. It's been two years now and I love. I have a 35'Damon Challanger Class A Gas with two slide-outs. It's just my cup of tea.