paying off the mortgage early?

We have a fixed rate mortage at 5.55 interest rate on a 30 year loan with 29 years left. And if we wait to pay it off doing the montly payments we’ll be 70 years old. I know Should we put extra money every month to pay it off or should we wait until we retire at 65 and then pay it off with the 401k we’ll have saved?

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