http://mortgagehowtoget.com/mortgage-calculator/time-to-refinance-arm-bankrate-com/ Dear Dr. Don, I am in the fortunate position to have my mortgage as my only debt. I am religious about maxing out my Roth IRA every year, and since I am a firefighter, I also have a pension. I also am able to put extra money into savings. Wed, 12 Aug 2009 09:27:32 EDT en