I’ve been debating whether to pay off my mortgage. I’ve refinanced at 2.375% and can get a certificate of deposit (CD) for a year at 4%. I was adding to my mortgage payment by about $1,000 a month to pay it off in seven years instead of 14 years. I want to retire in seven years, and though my Social Security will be around $3,500, and my husband will still be working, I’m not sure if that is wise. -Jan Whether you should pay off a mortgage early or invest more depends on what you’d hope to gain by choosin ...