Is it smart to use my retirement savings to pay off a mortgage early or should I invest that cash elsewhere given current interest rates?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is it smart to use my retirement savings to pay off a mortgage early or should I invest that cash elsewhere given current interest rates?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
United States current mortgage rates October 2026 Freddie Mac 30 year fixed current high yield savings Treasury yields 2026 Google ↗
IRS retirement account early withdrawal penalty traditional IRA 401k Roth distribution rules Google ↗
- Mortgage Rates · freddiemac.com
- Mortgage Rates Decline Further to 7.24% · freddiemac.gcs-web.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
United States current mortgage rates October 2026 Freddie Mac 30 year fixed current high yield savings Treasury yields 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
IRS retirement account early withdrawal penalty traditional IRA 401k Roth distribution rules OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |