Latest / The Financial Freedom Podcast with Fexingo: Quitting Your Job, Living Off Investments, Independence
Managing a Mortgage in Early Retirement
Should you pay off your mortgage before retiring early, or carry the debt into retirement? This episode breaks down the math behind the decision, using a concrete scenario: a couple with a $1.2 million portfolio and a $200,000 mortgage at 3.5% interest. We compare the impact on withdrawal rates, sequence risk, and tax efficiency, and explain how a mortgage payment affects the classic 4% rule. Lucas and Luna discuss the trade-offs between liquidity and debt freedom, and offer a framework for deciding based on your personal risk tolerance and interest rate environment. Whether you're five…
The skinny
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