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Your house is your biggest asset. Here’s the plan for it.

What to do with your mortgage, your home equity and your house — before and after retirement. In plain English, with the exact words to say.

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The Retiree’s Home Money Playbook

18 chapters · 12 tools · 62 pages

Pay off the mortgage before you retire — or keep the cash? The four numbers that decide it
Why paying off the house from your IRA can cost around $30,000 in extra tax
Reverse mortgages, HELOCs & “no monthly payment” equity deals — the traps
The lien-release check almost nobody does after the last payment
Protect the house from deed theft, tax sales & the surviving-spouse surprise

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Whether you still have a mortgage or just made the last payment.

Hi, I’m Robert — from the Robert Retires channel on YouTube. This is an instant PDF — read it tonight on any phone, tablet or computer, or print the worksheets at the kitchen table.

If this sounds like you…

You’re a few years from retiring and can’t decide: pay off the house, or keep the cash?
You’ve thought about pulling money from your IRA or 401(k) to finally be mortgage-free.
Your mortgage is paid off — and you’re not sure anything still needs doing. (It does.)
You keep seeing reverse-mortgage ads, or someone offered you cash for a “share” of your home.
You worry about what happens to the house — and the mortgage — if one of you dies first.

Your house is the biggest thing you own. Nobody ever gave you a plan for it. This book does.

What’s inside

18 questions retirees ask about the house — answered.

Each chapter starts with the short answer, then gives you the real numbers, the trap to avoid and the exact words to say to your lender, servicer or county.

Part OneThe Mortgage Decision

01Should you pay off your mortgage before retirement?
02Should you use retirement savings to pay off your house?
03What happens to your mortgage when you retire
04Refinance, recast or leave it alone?

Part TwoYour Home Equity

05When home equity helps — and when it hurts
06HELOC dangers after 60
07Reverse mortgages: how they really work
08Ten reverse mortgage mistakes seniors need to know
09“No monthly payments”: equity contracts & sale-leasebacks

Part ThreeAfter the Last Payment

10Payoff day: the ten things to do
11How to verify your lien was released
12The mistakes people make after the mortgage is gone

Part FourProtecting the House

13Property-tax mistakes that can put your home at risk
14How to protect your home from scams and deed theft
15If your spouse dies: what happens to the mortgage
16Homeowners insurance after 60

Part FiveCash, Moving & Your Plan

17How much cash to keep instead of putting it into the house
18Stay, downsize or move? The real math

Print & useTools, worksheets & a letter

✓The Home Money Check — find your chapters first
✓Pay-Off-or-Keep Scorecard · Refinance & Recast Break-Even
✓Equity Offer Comparison · Before-You-Sign Checklist
✓Payoff Day Checklist · ready-to-send Lien Release Letter
✓Cash Cushion Worksheet · Home Protection Calendar
✓“If Something Happens to Me” home record for your family
✓Reverse-mortgage counselor questions · phone directory · 2026 numbers

Get the Home Money Playbook — $12.99$25

By buying, you agree to our Terms & Disclaimer.

Honest by design

Nobody in this book is selling you a loan.

✓

No lender behind it

No bank, reverse-mortgage company or “home equity” firm paid for this book or is recommended in it. There are no affiliate links.

✓

Both sides, every time

Paying off the mortgage isn’t always right. Neither is keeping it. Each chapter shows when a choice helps — and when it hurts.

✓

Points you to free help

HUD-approved counselors, your county recorder, the CFPB and your state — with the numbers and websites in one directory.

Who wrote this book.

Robert

Creator of the “Robert Retires” YouTube channel

Every week on my channel, I take one confusing money rule and explain it in plain English — the way someone should have explained it to me.

For most retirees, the house is the biggest thing they own. Yet the big decisions about it — the mortgage, the equity, the paperwork after the last payment — usually get made with advice from whoever happens to be selling something. So I wrote the plan I’d want: both sides of every choice, every rule checked for 2026, and the exact words to say.

No lender, no loan offers and no upsells inside. Just the plan.

— Robert

The Retiree’s Home Money Playbook 2026

What to do with your mortgage, home equity & house — before and after retirement

18 chapters, each with the short answer first
12 printable tools, worksheets & a ready-to-send letter
Your 2026 home numbers on one tear-out page
Worked examples with real dollar amounts
The exact words to say to your lender, servicer & county
Instant PDF — phone, tablet, computer or print

~~$25~~^$12.99^$25

Sale price — ends Monday, November 30 · one-time paymentOne-time payment · no subscription

Get the Home Money Playbook — $12.99$25

By buying, you agree to our Terms & Disclaimer.

🔒 Secure checkout through Gumroad⚡ Instant download✓ One-time payment

Digital product — an instant-download PDF you read on any phone, tablet, or computer; nothing is shipped. A general educational guide, not financial, legal, or tax advice.

Your questions, answered.

My house is already paid off. Is this still for me?

Yes — more than half the book is for you. Part Three covers what to do after the last payment, including how to prove your lien was released. Part Four covers property taxes, deed theft and scams, what happens if your spouse dies, and your insurance. Part Five covers how much cash to keep and whether to stay or move.

I’m still working. Is it too early?

It’s the best time. The biggest choices — paying off, refinancing, recasting or opening a credit line — are easier to make while you still have a paycheck. Part One walks you through them.

Will it tell me to get a reverse mortgage?

No. It explains how reverse mortgages really work in 2026 — the costs, the rules, the mistakes and who they fit — and gives you the questions to bring to a HUD-approved counselor. No lender pays us, and nothing in the book is a loan offer.

Is this the same as The U.S. Senior Survival Playbook?

No — it’s a different book with different topics. The Playbook covers Social Security, Medicare, taxes, Medicaid and your pension. This book covers your mortgage, your home equity and your house. Where the two touch, this book points you to the Playbook chapter instead of repeating it.

Does it work in my state?

Yes. Federal rules — payoff statements, reverse mortgages, a surviving spouse’s rights, home-sale taxes — apply everywhere. Where states differ, such as lien-release deadlines and property-tax relief, the book gives examples from large states and shows you how to find your own state’s rule.

Can I print the worksheets?

Yes. The 12 tools are designed to print on regular letter paper — including the one-page home record your family will need if something happens to you.

Do I need to be good with computers?

Not at all. After you buy, you get a simple link to download your book as a PDF. You can read it on any phone, tablet, or computer — or print it. If you can open an email, you can use this.

Is this a subscription?

No. It’s a one-time payment and the book is yours to keep. Nothing is recurring.

Will you call me or share my information?

Never. We only use your email to deliver your book and, if you’d like, to let you know when it’s updated. We never ask for your phone number, and we never sell your information to anyone.

Is this financial or legal advice?

No — it’s plain-English education to help you understand your choices and what to ask. Rules vary by state and change over time, so always confirm your own situation with your lender, your county, the official agency or a qualified professional before acting. Sources are listed in the book.

Your house is your biggest asset. Here’s the plan for it.

The Retiree’s Home Money Playbook

If this sounds like you…

18 questions retirees ask about the house — answered.

Part OneThe Mortgage Decision

Part TwoYour Home Equity

Part ThreeAfter the Last Payment

Part FourProtecting the House

Part FiveCash, Moving & Your Plan

Print & useTools, worksheets & a letter

See exactly what you’re getting.

What one mistake with the house can cost.

Nobody in this book is selling you a loan.

No lender behind it

Both sides, every time

Points you to free help

Who wrote this book.

Robert

The Retiree’s Home Money Playbook 2026

Your questions, answered.

My house is already paid off. Is this still for me?

I’m still working. Is it too early?

Will it tell me to get a reverse mortgage?

Is this the same as The U.S. Senior Survival Playbook?

Does it work in my state?

Can I print the worksheets?

Do I need to be good with computers?

Is this a subscription?

Will you call me or share my information?

Is this financial or legal advice?

Other plain-English books for U.S. retirees