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The only problem is that our mortgage won't be paid off until I am about 65. So I do retire at 55 I will still have mortgage payments for another 10 years.

Heh. I retired at 58, got a new 30 year mortgage 9 months later, when the house was completed, and refi'd 3 times since then. My last refi won't be paid off until 2041, at which time I'll probably be long dead.
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