“I don’t plan on taking Social Security until 70 and I will have one other small pension.” (Photo subject is a model.) - Getty Images/iStockphoto Dear Quentin, I’m 66 but I didn’t buy a house until later in life at 52. I refinanced a year later to 3.37% (30-year fixed) and have $250,000 left on the loan of $330,000. The house is worth $750,000. I have no other debt. I’m still working, collecting one pension already and have not touched retirement savings of $770,000 (IRA, 401(k) and Roth). I don’t pla ...