Sell our home to have smaller mortgage (23% more than average!) and contribute more $ to retirement?

We are currently paying 23% more than national average for our mortgage and our equity loan. Sell home to downsize mortgage? We really want to build up our 401K, IRARoth, emergency funds, etc. We were laid off 4 times in 7 years and used 401 and equity to pay for home, etc. We love our area but need to think of our future. Any advice or your stories would help! Thanks!

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