I’m 46 and a single mother. Should I empty my 401(k) to pay off my house? There’s $128,000 on the mortgage.

Dear Quentin,

I’m a 46-year-old woman, and single mother to a 14-year-old boy. I bought a centrally located house in Miami after the housing market crash in 2010 for $167,000. The house is small but has a big lot in front of it, and I currently owe $128,000. The house is now worth about $400,000.

I have an annual…