Housing costs can significantly reshape retirement budgets, especially for retirees entering retirement with a mortgage versus owning their home outright. We’re looking for retirement planners and housing experts who can break down how these two financial realities affect monthly spending and long-term security. Interview questions or provide your own commentary: 1. How does having a paid-off home change the average retirement budget at 65? 2. What monthly costs remain even after a mortgage is paid off? 3. How financially risky is entering retirement with a mortgage today? 4. Which retirement expenses become harder to manage when housing payments continue? 5. How do property taxes, insurance and maintenance costs factor into retirement planning? 6. In what situations can carrying a mortgage into retirement still make sense? 7. How much more savings might retirees with mortgages need compared to homeowners without one? 8. What lifestyle differences typically emerge between these two retirement scenarios? 9. What should pre-retirees do if they expect to carry housing debt into retirement? 10. Do you have anything more to add?