回複：Let me do an estimation for you:

Thanks for the detailed explaination, a-mao!  I followed your posts all the time. I know your kids and your plan.  Actually, it is one of the reasons I posted here because I expect your input.

I maxed my 401K and not qualified for roth IRA (no tax deduction).  My big concern about pay off mortgage is pay too much tax (maybe loss rental loss deduction)...

 

Thanks again!