I have known and worked with Matt for years.I have attended his training and hired him as a consultant.He is hands down the best at what he does.I have personally raised over $50 million for my hard money lending company.I am grateful for a lot of people who helping me with this success and Matt is at or near the top of that list.

Personally, I would pay off the higher rate first. 

There is a large population of low income persons who are poorly integrated and somewhat centralized.

I personally would recommend it but it isnt the best run 3 day. 

Send me a message and we can have a virtual coffee or an in-person coffee if you're around town.

If you truly have cashflow to spare I would personally look at the 15 year.

I personally use Vanguard, but I know others like Schwab and Fidelity also have solid options.

I'm in it for the long haul so if it doesn't work on a small scale, it won't work on a large scale. 

I can't say when that will be but 4.125 is quite a lot depending on the rate you get.I personally want a hassle free funding experience and the lower rate.

No talking to will fix a person raised to live like a pig.