Just checked in my home loan at 4 am like a shiftworker does...

22 yrs left projected based on my payments above the minimum requirement and current interest rates. Got loan nearly 3 yrs ago when I was 55. Paid off $17k in that time of my $435k borrowed. It won't be anywhere near paid out when I can retire. Slave to the banks I am. But I do not have a credit card or any other loans.