What do I do when Im debt free

Maybe buy something nice on credit so you have something to work toward?

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Invest to build wealth and work towards paying off the house.

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I understand compound intrest but how do I get 10% a year on my return or even 6?

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I understand compound intrest but how do I get 10% a year on my return or even 6?

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Invest in equities, mutual funds are fine, some years will have 20 plus percent returns, some will be single digits, some years you will be in negative territory, over 30 years or so your average return should be pretty decent. That's the theory, and it has worked until now, but the future is always unknown, but doing nothing is guaranteed to return you zero, and even lose money due to inflation.

Subtle I’m white thread

Start paying some of my bills

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I dont need anything. Ive got a house, car, clothes. I dont want a lot of toys because it takes up time to maintain them.

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People work to earn money for a whole range of reasons that aren't "buy more things". Some work to travel, others to help out family and friends, or to be deeply philanthropic. I know an old guy who wore his zip front coveralls until they fell apart. He repainted his old truck with a brush and can of Rust-o-leum. But he also paid college tuition for his nieces and nephews, paid for tree planting in a local park, and helped out a whole bunch of needy people without ever drawing any attention to himself.

Sounds like you're not motivated by things. That's great. But find some other motivation or meaning in life. Needing nothing is a fine way to be, but living without direction, passion, or enjoyment is really just major depression masquerading as non-attachment.

Hookers and blow?

Thanks for the responses. I think what Ive figured out is save my money until an opportunity comes that I can buy into. If not, I can live within my means and give the rest to my kids.