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As far as the mortgage strategy is concerned, on paper it makes sense to maximize other investment strategies first. However, debt is also a personal comfort thing. I hate debt so I always paid a few hundred extra every month towards my mortgage anyway. Over the course of my career, I started out putting 10% of my income to the 401k and 10% to mortgage reduction. As I made more and more $, I added to the 401k, Roth IRA's, SEP IRA's and taxable accounts and just left the 2 or 3 hundred extra for the mortgage the same.

It worked for me. If my home sells as planned by the end of June, I'm going to FIRE then at age 54 debt free, no pension, no SS and pulling out a substantial amount of $ from my IRA's. Just using the SEPP calc, DW and I will be getting 3 times what we need to live on.

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