<prompt> Human: Im 6 months into a new 30 yr mortgage. Im paying 1,300 bone a month in mortgage interest at a 4 rate. I could take out like 500k of the 800k in my 401k and pay the 10 early withdrawal fee along with ordinary income tax and have enough to pay off my mortgage and save 125k plus in mortgage interest. I like the idea of being completely debt free. At 41 yrs old, I have time to build a retirement savings up. Plus the stock market gains have been great these last years. Time to cash out some and lock in those returns?  <response>: Oh hell no. Who pays 200k to save 125k in interest? 