Should I use my super to pay off the rest of my mortgage?

A question on personal finance centers on whether withdrawing $80,000 from super to repay the remaining mortgage is worthwhile. The loan carries a 6.18% cost, and paying it off would free up about $400 per week, but would reduce invested super, shrink an emergency reserve, and remove the redraw facility. The article contrasts that with keeping the mortgage while leaving super invested, noting the outcome depends on how the $400,000 balance is invested. It also discusses retirement timing, including indexed-defined benefit pension details and the Transfer Balance Cap (TBC), which was indexed on July 1. Using a hypothetical where $2.1 million is moved into pension phase and markets return 10%, it argues delaying can miss growth inside tax-free pension. It then pivots to estate planning and concerns around leaving a house to a disabled son.