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Mortgage, Math & Mindset

Can you retire with a mortgage? Inspired by ‪@earlyretirementari‬    • What No One Tells You About Retiring With ...   The math might say yes. Your stress level might say… maybe not. In this song, we break down one of the biggest retirement debates: Should you keep a low-interest mortgage and invest the difference — or pay it off and sleep better at night? On paper, investing often wins. In real life? Behavior wins. Because retirement isn’t about maximizing net worth — it’s about minimizing regret when markets don’t cooperate. This track walks through the numbers (withdrawal rates, portfolio returns, tax traps) and the psychology (sequence of returns risk, fixed obligations, and the “sleep well” factor). If you’ve ever wondered whether paying off your home changes how retirement actually feels — this one’s for you. Math matters. But mindset might matter more.