Managing a Mortgage in Early Retirement

Should you pay off your mortgage before retiring early, or carry the debt into retirement? This episode breaks down the math behind the decision, using a concrete scenario: a couple with a $1.2 million portfolio and a $200,000 mortgage at 3.5% interest. We compare the impact on withdrawal rates, sequence risk, and tax efficiency, and explain how a mortgage payment affects the classic 4% rule. Lucas and Luna discuss the trade-offs between liquidity and debt freedom, and offer a framework for deciding based on your personal risk tolerance and interest rate environment. Whether you're five years from FIRE or already retired with a mortgage, this episode gives you the tools to model your own situation. #FIRE #EarlyRetirement #Mortgage #WithdrawalRate #SequenceRisk #DebtFreedom #PortfolioWithdrawal #FinancialIndependence #RetirementPlanning #InterestRates #MortgageOrInvest #SafeWithdrawalRate #TaxEfficiency #Liquidity #FexingoBusiness #BusinessPodcast #Finance #PersonalFinance Keep every episode free: buymeacoffee.com/fexingo