Dear Dr. Don,
I'm 57 and hope to retire in about nine years. I need help getting my finances in order, and I was looking for advice on what to do with any spare cash. Would it be better to pay off my mortgage early, or should I try to boost my 401(k)?
I have about $175,000 in my 401(k) plan. Meanwhile, my mortgage has about 23 years left at 6% interest with a loan balance of about $120,000. My lender has appraised the house at $125,000 and isn't interested in working with me on refinancing the mortgage.
Thanks for your help, 
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