Considering the site we are, treat your effort/time debt as tech debt.
You appear to be past the point where it's beneficial, and should focus on reducing it to improve your life. Granted this is easily stated when I have no real context.
I recall a coworker being excited several years ago about catching someone lying about their linux experience before their interview. If what they said was true, they'd have to have been working on it during it's first year.
He was then excited after the interview because the individual had been working at transmeta with Linus, and his resume was accurate. He didn't end up working with us, but I wasn't privy to any additional information.
It's still there at the accounting/backend level. Automated Financial Systems Level 3 and it's replacement Vision are commercial loan systems.
LVL3 is pure cobol. It has been recently deprecated but there are many banks who own the code and are still self hosting it, along with it's IBM green screen support.
Vision is a java front end in front of an updated cobol backend. When your reputation is based on your reliability and long term code stability, at what point do you risk making the conversion, versus training new developers to work on your system.
Oddly enough, neither of my classes were cancelled, despite being only a little over 2 hours down 95 from NYC.