What No One Tells You About Retiring With A Paid-Off Home скачать в хорошем качестве

What No One Tells You About Retiring With A Paid-Off Home

A lot of retirement advice treats the mortgage like a math problem. This perspective treats it like a life decision. Ari explores why the choice to retire with or without a mortgage often has less to do with interest rates and more to do with how people experience risk once paychecks stop. While the math may favor keeping a low-interest loan and investing the difference, many retirees discover that fixed payments feel very different when markets are volatile and income is no longer guaranteed. The discussion reframes the mortgage decision around flexibility, control, and peace of mind. Monthly obligations don’t adjust when markets decline, and even a well-designed portfolio can feel fragile when large, non-negotiable expenses remain. Paying off a home doesn’t eliminate risk — but it can reduce pressure during uncertain years. At the same time, the episode emphasizes that how a mortgage is paid off matters just as much as whether it is. Poor timing or pulling from the wrong accounts can create unnecessary tax consequences that undermine the benefit entirely. The bigger message is simple: retirement planning isn’t about maximizing net worth at all costs. It’s about building a structure that still works when life and markets don’t cooperate. Interested in a custom strategy to retire early? → https://www.rootfinancial.com/start-h... Get access to the same software I use in my videos and join the Early Retirement Academy here → https://ari-taublieb.mykajabi.com/ear... –––––––––––––––––––––––––––––– Time Stamp 0:00 - Math vs. Peace of Mind: Retiring With a Mortgage 1:43 - Why a Paid-Off Home Changes Your Retirement Behavior 3:22 - Scenario 1: Retiring With a Mortgage 5:12 - Scenario 2: Retiring With a Paid-Off Home 5:56 - Hidden Advantages of Reducing Mandatory Spending 6:51 - The Big Variable: Taxes on Large 401(k) Withdrawals 7:22 - Final Thoughts & Disclaimer –––––––––––––––––––––––––––––– PODCAST - https://earlyretirementpodcast.com/ INSTAGRAM -   / earlyretirementari   LINKEDIN -   / aritaublieb   What video topic would you like to see discussed in a future video? Ari Taublieb, CFP®, MBA, is the Chief Growth Officer of Root Financial Partners and host of the Early Retirement Podcast. –––––––––––––––––––––––––––––– 📣 Are you taking advantage of tax planning before 2026? Most people hoping to retire early know they're leaving money on the table but don't know how to fix it. 👉 Subscribe to our channel and press the bell icon. ––––––––––––––––––––––––––––– Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.