Peter Dunn, Special to USA TODAY Published 6:00 a.m. ET April 19, 2019 | Updated 7:10 a.m. ET April 19, 2019

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Dear Pete,

I have seven years until retirement, and I still owe about $63,000 on my mortgage. My home is slated to be paid off in just under 10 years. I have an extra $750 per month right now, and I’m trying to decide whether to pay more on my mortgage or invest more for retirement. I can afford to have a mortgage for the first few years of retirement, but I’d rather not have that payment. What do you think I should do?

Gloria, Pittsburgh

Answer: I was driving back from Florida to Indiana recently, and I was