Cleanliness is a state of purity, clarity, and precision
Never, ever invest money that you will need prior to three to five years - minimum.
You can't build a foundation on lies.
Just because you can afford it doesn't mean you should buy it.
Writing is hard work, not magic. It begins with deciding why you are writing and whom you are writing for. What is your intent? What do you want the reader to get out of it? What do you want to get out of it. It's also about making a serious time commitment and getting the project done.
If you pay off your mortgage before retirement, you take a huge financial load off your shoulders. You also become eligible to take out a reverse mortgage once you turn 62.