Nah. I've been working on paying off my second mortgage by saving up the money to pay off my second mortgage, and I have like $7,000 left to go.

But I'm not cashing it all in the instant I get it just in case I lose my job so that I have a fallback. I would rather have money in the bank and a second mortgage than no second mortgage and be broke.

If I can make it to the end of the year without getting fired, then second mortgage will be done, and I will have a fallback amount of money to cover my expenses for several months, and my cost of living will drop precipitously, to the point where I could live off of minimum wage and a roommate.