The Mortgage Decision That Almost Derailed Their Retirement
Robert and Carol were 58 and 55, downsizing into retirement, and had a mortgage to pick. The numbers looked fine — until we modeled what their income looked like after Robert retired. What started as a simple financing decision turned into one of the most important retirement planning conversations they had. In this video, I walk through the mortgage types we considered, the one we ruled out immediately, and why the right answer had less to do with rates and more to do with retirement cash flow. If you’re within 10 years of retirement and thinking about a mortgage — this one’s for you.
This content is for educational purposes only and does not constitute financial, tax, or legal advice.
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Welcome to our videos where we share tips and advice on all topics that help women meet their financial goals.
About the Author
Randa Hoffman is the owner and financial planner at Radiant Wealth Planning, a fee-only financial planning and investment management firm exclusively for women. She helps ease the uncertainty around retirement, tax planning, and transitioning wealth so that women can live a life they’ve always dreamt of. She holds an MBA and EA and lives in Newport Beach, CA.
