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Is it better to use Roth funds to pay off my 100K mortgage now while working or after I retire?
We both work now, so regular IRA is taxable. I'm 62. Next year I may retire, and the idea of being debt free is very appealing. The current payment is 2254/month without escrow. We can live on a much lower income (and lower tax bracket) if the mortgage is gone.

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If you do, the Roth income could be considered regular income and taxed as such, and there could be a substantial penalty for early withdrawal.  Check the terms of your fund before doing something like that.  And you could consider checking into a reverse mortgage.  I do know someone who has benefitted from that.  

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