DEAR BRUCE: I am wondering if I should contribute less to my 401(k) so that I can afford to refinance my mortgage from a 30-year to a 15-year term. I’m 46 years old, and I have $90,000 in my 401(k). I contribute 17 percent of my before-tax income. I make $54,000 per year. Currently, I have a 30-year mortgage on a loan of $145,000, with a 4.875 percent interest rate. I am considering refinancing to a 15-year term at 2.875 percent. My goal is to retire before age 60, but I need my house to be paid off to make …