Yes, I am quite aware of the time value of money and that is probably the biggest issue that has prevented me from doing this plan already. For the sake of argument, however, what I keep coming back to is the fact that (assuming I stay disciplined) I would be putting this money back in as quickly as possible. At approximately $2,000/month and probably more as my earning capacity goes up, I stand to put a lot of money away by the time I retire, if I ever retire. By my calculations (assuming I continued to dump $2,000/month into my SEP IRA, which is a tax write off as I understand), assuming a retirement age of 65, I will have saved $624,000 (Debt free in 3 years and I will be 39 years old at that time. So starting at age 39 I would save $2,000/month until presumably the age of 65). This does not include the interest that I will earn over that time frame which would be approximately 26 years. Tack on the interest earned over that span and I am left with what? I'm not the math wizard, so please help. I know I will never recoup the time value, but in the grand scheme of things does it really matter in the end if I will still have over a million in my SEP and probably a paid off home and some other investments?

Again, I am not hurting financially. I have the ability to make my monthly nut, but just not enough extra to "meaningfully" contribute into my SEP. This all goes back to my original ill feelings about consistently paying money to interest. It's such a psychological thing, you know? I feel like it would just make me happier knowing that I am contributing all this money for myself going forward instead of toward interest. All of your responses are very much appreciated and are helpful. Your continued thoughts would be wonderful.