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I know there are lots of opinions on paying off mortgage vs keeping those funds invested to keep working for you.

Something that I've been turning over in my mind to try to get the best handle on:
If you are drawing Social Security along with money from IRAs, and also have a mortgage, the mortgage payment is additional money you need from the IRAs to cover. That means increasing your income, which might trip the SS into a higher taxed state. You might be able to draw some money from Roths to avoid that by getting money that doesn't increase your taxable income, but you need to have some Roth money to do that. That might mean you'd wish you had converted some regular IRA money to Roth earlier.

So, in addition to "pay taxes now or later," you have the extra factor of how the SS income will be taxed.

On the "I pay 4% mortgage to get 20% return on the money," that might be more accurately "I pay 4% mortgage to have a chance of getting 20% return on the money." Earning 20% is definitely not a given, even if one did so once before.
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