题目内容：

    Survey after survey indicates that one of our biggest worries in retirement is running out of money. More than a third of retired investors and half who aren’t retired said they worry they will run out of money and be forced to depend on Social Security as their main income source, according to a Wells Fargo-Gallup survey.

You might think that it would make people save more. But few of us even know how much we need to save for a comfortable retirement. However, one way people can feel better about retirement is to start out with as little debt as possible. And that leads us to a question many financial planners are asked by pre-retirees: Should you pay off that mortgage(房贷) before you retire? Unlike many areas of retirement planning, there is no easy answer to this question. The simplest answer is: It depends.

“It’s very dependent on the actual individual,” says Jimmy Lee, chief executive of the Wealth Consulting Group in Las Vegas. “The people who have more reliable sources of income may be more suited to carrying a mortgage,” he says. “Interest rates are a big factor. In today’s low-interest environment, it would make sense to carry a mortgage if your mortgage rate is under 4 percent and you can get an investment rate of 6 percent.”

Mitch Katz, financial adviser and partner at Capital Associates in Bethesda, says having that mortgage paid off helps some people sleep at night. “It’s kind of an emotional thing more than a financial thing,” Katz says. “At the end of the day, financially it makes more sense to not pay off the mortgage. But that’s easy to say in theory and harder in practice.”

“We can control only what we can control,” he says. “You can go to the gym and eat healthy, and walk outside and get hit by a bus. We can’t control that. But, paying off a mortgage, it gives you the ability to pay off other things. Emotionally, it’s very powerful.”

1.How will those depending on Social Security probably feel?

A.Proud B.Awkward

C.Hopeful D.Ignorant

2.What benefit might worry in retirement bring?

A.It may result in more savings. B.It leads to a wiser investment.

C.It will reduce the mortgage greatly. D.It ensures a comfortable retirement.

3.What’s Jimmy Lee’s advice for those carrying a mortgage?

A.Ask financial planners for suggestions.

B.Pay off the mortgage before retirement.

C.Seek new investment opportunities after retirement.

D.Balance the mortgage against the investment return.

4.What does Mitch Katz’s answer focus on?

A.Interest rates B.Mental burden

C.Social changes D.Financial theory