re: Paying off everything off while young

In your situation I'd probably put 20% down on a decent home with a 15 year mortgage. You could then set some money aside to pay cash for land when you find what you want and then invest the rest. As was said earlier, your tastes will change even with that small town attitude. Also with a potential new bride her input may change the plans you have now. I wanted 20-25 acres away from everyone but had to compromise with a 7 acre lot with a neighbor she could at least see. Kids will come and so on.