u/ItsNeverTwins

I am considering retiring in a couple of years. I have 4.780% $125K mortgage that matures at the end of 2033. Should I:

1. Pay off the principal in full now and bank what I would pay monthly.
2. Wait to pay it off in 2 years when the principal will be 95k.
3. continue paying mortgage after retirement withdrawing from 401k
4. Other…

I really don’t want the mortgage payment hanging over our heads when we retire. We have 401k investments and I have a small pension. If we sell the house we will make all that money back. Any advice is greatly appreciated.