Owning a home free and clear is a dream for many Americans. And for over 40% of them, it’s already a reality.  If you’re part of this group of people who have paid off their mortgage , congratulations. Now that you own your home outright, it’s time to reap the benefits and focus on other goals. “Life changes when you don’t owe money on your home. You will find yourself with less monthly pressure. Trips come easier. Purchases feel more intentional. You may even sleep better at night,” says