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Mr. Wilder has a

Submitted by Julie Rains on December 5, 2007 - 17:45.

Mr. Wilder has a somewhat conservative, stay-the-course, keep-investing advice, which I think is very useful. From what I can tell, his main audience are high earners who seem to have secure jobs but need financial discipline and will benefit greatly from this approach. Either way (prepay or not), having discipline over a long period of time is extremely helpful (as you mentioned taking your extra money and investing) and having minimal expenses (in case of a job loss or change in your income situation) is comforting.

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