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I think your math is off......
By:  Bean (Moderators; 17249)
Posted on: 12-21-2009 20:40.
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He would actually be able to set aside $7800 per year.

During the first two years put the difference in payments in an HSA. By the end of the second year you'd have an idea how much on average you are spending per year, and probably have right around $10k in there. Adjust the monthly contribution to a maintenance level. Invest the difference, or make principal payments on a mortgage. Win.

Look again at that dot. That's here, that's home, that's us. On it everyone you love, everyone you know, everyone you ever heard of, every human being who ever was, lived out their lives. The aggregate of our joy and suffering, thousands of confident religions, ideologies, and economic doctrines, every hunter and forager, every hero and coward, every creator and destroyer of civilization, every king and peasant, every young couple in love, every mother and father, hopeful child, inventor and explorer, every teacher of morals, every corrupt politician, every "superstar," every "supreme leader," every saint and sinner in the history of our species lived there – on a mote of dust suspended in a sunbeam.