I am 66 years old. I desperately want to retire as soon as I can due to declining health; however, it looks like it’s not going to happen anytime soon. I only have $135,000 in a retirement account at this time. I owe $32,000 on my home. Riding out the mortgage, the home will be paid for in 2030. Does it make any sense to take money from the retirement account and go ahead and pay off the house?