Doh! Thanks. Math was never my strong suit.

I have had a financially savvy friend tell me the same thing and advised buying it...it is inflation protected after all. I just can't part with that much money this early in my life for something that is barely going to cover a house payment. I would rather my wife bury me, pay off all debt, and get herself financially ready to take over as the provider for the rest of her life by getting whatever training and education she needs to reenter the job force.

We will see. I may be wrong about this whole thing and could die in a car crash in 6 months. You never know. The important thing to take away from this is to take care of your family and have your sigot on the same page as you.