to go that route,nd if u have enough money in savings, asid from what you need forergenc you may mortgeot least is not going to last as lg i retirement. >> so you ecommend paying do as much of your mtgage as you can, even though perhaps your -- you know, you've got ose interest rates. it is more economical -- is it smaer idea to pay down the mogageven with rates where they are? >> well, the thing is when you pay down yr mortgage, you're essentlly locking in, assuming it's a fix-rate mortgage, a fixed rate of rern, and it's very sece because you know what that rate of return will be. the mortgage is fixed. a lot of times that's much better you'll get on a safe investment today whe inrest rates are 1% or less than 1%. it all depends owhether or not you ha enough to do this without dipping into your retirement savings. >> kay. another common roadblock, pants juggling college expenses with their own retirement planning. how do you balance those two? >> this is a case that yo have to look athat is expected of me. what kind of contributionlso colleges expect from me there is aalculator onlinet