I refinanced my mortgage at 2.65% the month before I retired in July 2021. I had a chance to pull money from an ESOP to pay off the mortgage or keep it invested. The ESOP has paid off very well, up 22% in the past 2 years and doing well again this year so I’ll keep it there until we have to cash out and will pay off the mortgage then. Other than that I don’t do debt and don’t plan on starting. I won’t be a slave to interest.
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