<prompt> Human: Location is Pittburgh. My spouse died a year ago F cancer. I have a good 6-figure salary but I dont make enough without my spouses 90,000 second salary to break even every month. We have no credit card debt and are living very frugally -- no eating out, canceled Netflix, no cable TV, no trips to Target, no Amazon shopping, etc -- but Im having to use savings every month to cover unbudgeted expenses new tires, new clutch, dental work, etc. I can only do that for about 10 more months before Im out of cash. Watching our safety net shrink every month is terrifying.Our neighbors mirror-image house just sold for 200,000 more than my spouse and I paid for our house 10 years ago with a 30-year mortgage. The house itself is in very good condition, exterior painted two years ago, regular maintenance done in the years weve lived in it.I see my options as: refinance the house to lower the payment; use the retirement account worth 900,000 to pay off the 300,000 mortgage Im in my late 40s, or sell. Is it financially stupid to refinance or to pay the 10 IRA penalty in order to pay off the mortgage? What am I missing? We love our house. I dont know what to do.Thanks for your suggestions.Edit: apologies. Should have included that I have children: two older teens and one pre-teen.  <response>: Sell the house. Buy something smaller. So sorry for your loss. 