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n=e.getConfig();"smartphone"===n.device&&("finance"===n.property&&"crunch"===n.ytheme&&e.addElementListener(t.searchInput,"click",(function(){var n,o;n="search_input_focus_click",null!==(o=re())&&(oe[n]||(oe[n]=o)),e.addElementListener(t.searchForm,"click",(function(){if(t.ybar){if(t.ybar.classList.contains("ybar-searchbox-assist-fullscreen"))return;t.ybar.classList.add("ybar-searchbox-assist-fullscreen"),t.ybar.classList.add("ybar-searchbox-assist-fadein")}if(!document.documentElement.classList.contains("ybar-overlay")){document.documentElement.classList.toggle("ybar-overlay"),document.body.classList.add("ybar-overlay-noscroll");te("ybar","websrch","",{elm:"expand",subsec:"searchbox",itc:"1"})}}))})),e.addElementListener(t.searchBoxPlaceholder,"click",(function(){zt(e,t)})),e.addElementListener(t.searchBoxPlaceholder,"keydown",(function(n){var 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She’s been diligent about paying down her home: her original 30-year, $285,000 mortgage at 3.5% is now down to just $85,000.Wiping out most of the balance in one move is tempting, as it would put her within arm’s reach of being mortgage-free years ahead of schedule.The complication? Julia has only $10,000 saved for retirement. And with the clock ticking toward her 60s, she’s worried that putting everything toward the house may leave her financially short later on.So what should she do? While there’s no single “correct” answer, here are a few factors that can point her in the right direction.Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's howDave Ramsey warns nearly 50% of Americans are making 1 big Social Security mistake — here’s what it is and 3 simple steps to fix it ASAPI’m almost 50 years old and have nothing saved for retirement. What do I do? Don’t panic. Here are 6 easy ways to catch up (and fast)It's easy to see why paying off a mortgage early appeals to so many people. Eliminating a major monthly bill provides emotional comfort, a sense of security, and the peace of knowing you’ll always have a place to live. But when you zoom out, paying off a low-interest mortgage with a large windfall isn’t always the most financially sound move.That’s because a 3.5% mortgage is still considered a very low-cost loan by today’s standards. The average mortgage rate in the U.S. is currently around 6.9%, according to Bankrate data, and buyers with average home prices are facing median monthly payments of about $2,259. (1)By comparison, Julia’s loan is inexpensive, and chipping away at it faster doesn’t produce a very high financial return.Consider this: if Julia used her windfall to pay down her 3.5% mortgage faster, she’d effectively be earning a 3.5% return on that money — the interest she’s no longer paying.But if she invested that cash instead, and it earned a long-term average stock-market return of around 7% annually (which is a conservative estimate), she’d likely build far more wealth over time. The difference widens the longer the money stays invested.The other issue is retirement readiness. 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