Should You Pay Off Your Mortgage at Retirement Pros and Cons Explained!

[@rhondavigil795]

Your mortgage should be paid before retirement not with retirement funds. It isn't a math question it is a peace of mind question. Living a debt free and mortgage free lifestyle is freedom.

[@donnymac575]

I'd rather keep my money and have a small mortgage, with a low interest rate.

[@rhondavigil795]

@@donnymac575 you can keep your money when you have no payments.

[@stewartlafave9797]

Paying the mortgage down over 3-4 years would allow tax bracket management. Large sudden IRA withdrawals are seldom a good answer. You wouldn’t convert $400K to a Roth in one year.