Should You Pay Off Your Mortgage Before Retiring or Keep the Cash Invested?
Learn about pay off mortgage before retirement. Discover whether clearing your home loan or keeping cash invested is the smarter move for your retirement plan.
Sung-Jin Yoo
Nobody told Sung-Jin Yoo that starting a retirement newsletter at 26 while paying off student loans was a bad idea — or if they did, he ignored them. His self-built research practice, documented since 2021 in the newsletter *Deferred No More*, leans heavily on primary sources: actuarial tables, IRS notices, and peer-reviewed behavioral finance studies, all footnoted because he believes readers deserve to verify claims themselves. He hosts *The Long Horizon Podcast* (under 10k subscribers, proudly), where he interviews researchers and retirees who challenge the conventional wisdom that young people can afford to wait.
How a Teacher With No Pension Built a $400k Retirement Portfolio on a Modest Salary
Learn about retirement savings teacher no pension. Discover how one teacher built a $400k portfolio on a modest salary without a pension plan.
Annuities vs Index Funds for Retirement: What Most Financial Advisors Won’t Tell You
Learn about annuities vs index funds. Discover the hidden trade-offs, fees, and risks advisors rarely mention before you lock in your retirement strategy.
How to Open a Roth IRA for the First Time: A Beginner’s Step-by-Step Guide
Learn how to open a Roth IRA for the first time. Follow our beginner-friendly steps to choose a provider, fund your account, and start growing tax-free wealth.
SECURE Act 2.0 Changes That Still Affect Your Retirement Account in 2026
Learn about SECURE Act 2.0 retirement changes. Discover which 2026 provisions affect your RMDs, catch-up contributions, and retirement savings strategy.
Social Security at 62 vs 67 vs 70: Which Age Actually Pays Off More
Learn about when to claim social security. Compare benefits at 62, 67, and 70 to find which claiming age puts the most money in your pocket long-term.
Medicare Costs in Retirement: Everything You Need to Know Before You Enroll
Learn about Medicare costs in retirement. Discover premiums, deductibles, and enrollment tips to plan smarter and avoid costly surprises.
How a Divorced Woman in Her 50s Rebuilt a Retirement Plan From Zero
Learn about retirement plan after divorce. Discover how one woman in her 50s rebuilt her financial future from scratch with smart, actionable retirement strategies.
Should You Retire Early or Work Longer? A Brutally Honest Breakdown
Learn about retire early or work longer. Weigh the real financial, health, and lifestyle trade-offs to make the smartest retirement timing decision for you.
Roth Conversion Ladder: The Early Retirement Tax Strategy Most People Miss
Learn about roth conversion ladder. Discover how this powerful early retirement strategy lets you access tax-free funds years before traditional retirement age.