‘We were mortgage-free at 45, here’s how you can do it too’

1. 核心事实剥离

• 事件本质：原文以Adrian Massey夫妇在失业后优先偿还住房按揭并最终提前清偿的个案，说明降低家庭杠杆可释放消费与创业现金流，真正可交易变量是这一行为能否从个案扩散至家庭信贷、存款配置和风险偏好。〔SRC:"When Adrian Massey was made redundant from his job as a food developer in 2010, the bill that worried him the most was the mortgage. Just over a decade later he and his wif