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Charlie in Phoenix has been following a financial program for three years, paying off $69,000 in debt in 14 months. At age 52, he has been contributing 15% to his 401k, which now stands at $275,000. He wonders whether he should reduce his 401k contributions, focus on matching contributions, and divert more funds to a Roth IRA. With $100,000 equity in a rental property, he considers selling it to pay off his primary home, valued at $400,000. Despite this, Dave suggests continuing to pay off the house even without selling the rental property, given his significant income.