We’re 70 and have $1.8 million, but my husband insists on living cheap

We are both 70. We retired at age 62, but my husband immediately went back to work with two part-time jobs. He constantly worries about money. We own a home worth $550,000 and still owe $128,000 on it. We have a 2.2% interest rate. My husband says it makes no sense to take out money to pay it off. We have no other debt.

We have about $1.8…