The Math of Paying Off Your Mortgage Before Retirement
Many people approaching retirement assume the responsible thing to do is pay off their mortgage.
But when you actually run the math, the answer isn’t always as obvious as it first appears.
In this video, we break down the numbers behind one of the most common retirement questions: Should you pay off your mortgage before retiring? We look at the trade-offs between investment returns, mortgage interest rates, taxes, and liquidity — and why the right answer often depends on how those pieces fit together. Because retirement decisions rarely come down to one variable. They’re about balancing risk, time horizons, taxes, and flexibility.
When you understand the math, the decision becomes much clearer.
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