I'm sorry to say but if your family makes that much money and is able to pay off a 100k house in 5 years, that's nearly impossible. Sounds like you guys are cheating on your taxes and are actually making a heck lot more but only claiming according to you 62K. After taxes on the 62K you'll most likely will end up with about 35K to 40K. How do you guys save that much money? You guys have no electric bills, water bills, phone bills, and I bet you got a cell phone bill too, plus many more. How about property taxes, gas for you cars, car insurence, health insurence? You guys don't eat? Even if you guys are able to use very little resources, you'll only be able to save at most $500 per month... $500 X 12 = 6000 *5 years = 30K. That is no were near 100K to pay off that house.