Dear Patriot,

Yesterday, we exposed how early stock market losses can sabotage your retirement withdrawals. But let’s talk about a question many near-retirees are quietly wrestling with: should you pay off your mortgage before you retire—or hold onto the debt and invest instead?

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Fun Fact Of The Day

In a recent study, nearly 40% of retirees still carried a mortgage into retirement—and those who didn’t often reported higher financial satisfaction in surveys. Peace of mind still matters.