Ashley and Jim, a Chicago couple with two kids, are feeling stuck. They'd paid off their debt, built an emergency fund and are investing 15% for retirement while also saving for college. Yet their $155,000 mortgage feels like it is going nowhere. "We're just feeling kind of stagnant," Ashley told The Ramsey Show at a live taping in Chicago. (1) "Every single time we have any extra money, we can't put it towards our mortgage. We have a plumbing issue, or we need a new car." Just the day before, tree roots ...