100% agree, i've got that, but how can I make most of my 401K and mortgage (e.g. through Roth IRA or refinancing? I saw some mention of both, so will have to re

100% agree, i've got that, but how can I make most of my 401K and mortgage (e.g. through Roth IRA or refinancing? I saw some mention of both, so will have to read up on that).