I should have clarified that I was speaking of financial value, not value in general. As for prepaying your mortgage, that provides some emotional benefit, but financially and in terms of not losing your home if you lose your job, you're better off paying just your monthly payments and investing anything more that you'd otherwise pay extra against principal. Regarding the rest of it, who do you expect to pay for housing that would be free to young people? And if it's free for the young, should it not also be free for everyone else?