I was missing some of my old games in their best moments just this morning . The friends I used to have , the sense of wonderpurposeduty I had back then . In some senses , I miss the person I was at the time almost . I ' m sure I could recapture those moments if I was more naive in games around today , but I ' ve already had them and they ' re gone . My friends have moved past gaming , and nothing feels quite as good as the games of years past . It ' s tough . <| sep |> Interest rate is not your problem . let ' s say you go from an average of about 7 % interest to everything at 4 %. this takes your annual interest from $ 5250 down to $ 3000 . this saves you $ 2250 year or $ 187 . 50 montha hundred ninety bucks a month is great . take it you can get it . but it ' s not the biggest part of your problem , especially at your income level . it saves you less than 1 % of your gross income . typo edit