Should You Pay Off Your Mortgage or Invest? The $180K Retirement Mistake

This episode of Wealth Decisions reveals the counterintuitive mortgage strategy wealthy retirees use that most financial advisors won’t tell you. Brian Muller, founder of Momentous Wealth Advisors with 25 years of experience, breaks down the math, psychology, and real-world implications of keeping your mortgage versus paying it off before retirement.

What You’ll Learn:

• The 7-question framework to help make this important wealth decision

• Why liquidity beats net worth in retirement planning

• The psychological trap that costs retirees $180,000 on average

• Three actionable strategies regardless of which path you choose

• When paying off your mortgage actually makes financial sense

• The hybrid approach that satisfies both security and growth needs

Key Topics Covered:

- Mortgage payoff vs investment returns analysis

- Opportunity cost calculations for retirement planning

- Tax implications of mortgage interest deduction

- Behavioral finance and investment psychology

- Asset allocation strategies for pre-retirees

- Emergency fund considerations

- Real estate as investment myth-busting

Perfect for investors approaching retirement, financial independence seekers, and anyone torn between achieving mortgage freedom and building wealth. Get the clarity you need to make this crucial retirement decision with confidence.

Chapters:

00:00 - Common Financial Questions and Strategies

02:28 - Understanding Mortgage Decisions: The Myths and Realities

04:52 - The Psychology of Money and Investment Decisions

07:53 - The Short-Term Mortgage Paradox

11:15 - Strategies for Mortgage Decisions

Pre-order my new book "Momentous Decisions: 7 Steps to Better Health, More Wealth, and a Richer Life" at:

⁠⁠https://www.momentouswealthadvisors.com/book

To schedule a Discovery Call go to:

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.momentouswealthadvisors.com/contact⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Brian D Muller(AAMS©), Founder, Wealth Advisor

XYPN Invest Disclaimer:

Brian Muller is an Investment Adviser Representative of XYPN Invest, an SEC-registered investment advisory firm doing business as Momentous Wealth Advisors. This podcast is not published on behalf of XYPN Invest, and the views expressed herein are solely those of Brian Muller.

Podcast Disclaimer:

The Wealth Decisions Podcast is provided solely for general information purposes and should not be construed as accounting, legal, tax, or any other professional advice. Visitors are advised not to act upon the information or content found here without first seeking appropriate guidance from a qualified accountant, financial planner, lawyer, or other relevant professional. Any hypothetical performance is just that, and there is no guarantee that you will receive a specific average rate of return in any examples in this podcast.

Please note that any federal tax advice is not intended to be used to avoid penalties under the Internal Revenue Code or to promote, market, or recommend any transaction or matter addressed