‘I’m at a crossroads’: I have $35K left on my mortgage at 3% interest. Do I dip into my $700K IRA to pay it off?

https://www.marketwatch.com/story/im-at-a-crossroads-i-have-35k-left-on-my-mortgage-at-3-interest-do-i-dip-into-my-700k-ira-to-pay-it-off-0715335f?mod=mw_rss_topstories
“Over the last year, my two retirement accounts averaged a 15% gain.”…