I wonder whether collective MN has any words of advice on financial question. I have an opportunity to take out around 80k from our pensions (that excludes taxes - but it's in a different jurisdiction and we have to pay them anyway). I could either add it to my current pension - which I started at 38 (but it's a public sector one so defined benefit one) or we can put it to pay down our mortgage a bit. I am torn. If we pay our mortgage then our total goes down to 300k - which is more comfortable with interest rates rising, but my pension will then start from age 38.........not sure who to ask about this in real life. any tips?