William, thanks, but I should add some detail as its not a straight math problem.
Regarding company contributions, I currently contribute about 15k annually to a 401k that goes unmatched, so it is this amount that is in question (I have 3k that is matched that I’d leave in place while working).
But more importantly, its not purely about the math because I’m almost three decades away from being able to access my 401k, but if I pay off my income property I can effectively retire. By redirecting these these funds to debt reduction I will have it paid off in under 6 years. I’m also much more comfortable having my nest egg in an apartment building I own, manage, and understand than in a stock portfolio that I don’t.
The whole reason I asked the question is because though its clear that my long term return is much better by maintaining the debt and contributing to the 401k, getting the best return is not my primary goal.
So I am wondering, since my income property is part of my retirement, is there is a way to use my income to reduce this debt more aggressively while still maintaining the tax sheltering that 401k contributions receive.