Pay off your mortgage before retirement, and that's one less bill you'll have to worry about when you're on a fixed income.
If you wait until your children are high school seniors to spring it on them that there's not a whole lot of money for school, they won't have too many options.
If you're saving for the long run, it's actually a good thing when the market is down because the more shares you have, the more you can potentially make when markets rise. And over time - decades, not months - the markets rise more than they fall.
If the only way you can build an emergency fund is to pay the minimum due on your credit card, that is what you need to do.
Carl Philipp Emanuel Bach