Debt Management

Smart approaches to eliminating debt so retirement savings can grow.

Building a Debt Payoff Plan When Retirement Is 10 to 20 Years Away
Featured · Debt Management

Building a Debt Payoff Plan When Retirement Is 10 to 20 Years Away

A practical step-by-step approach to eliminating debt strategically while keeping your retirement savings on track for adults in their 40s and 50s.

By Debt Management Editorial Team · 7 min · Feb 12, 2024
Carrying Debt Into Retirement: What It Actually Costs You
Debt Management

Carrying Debt Into Retirement: What It Actually Costs You

Debt in retirement can quietly erode fixed income and savings. Learn how outstanding balances affect long-term financial security and what…

By Debt Management Editorial Team · 9 min · Dec 15, 2023
Debt Myths That Keep People Stuck in Their 40s and 50s
Debt Management

Debt Myths That Keep People Stuck in Their 40s and 50s

Common misconceptions about debt can delay payoff progress for years. Find out which widely believed ideas are misleading and what the evidence actually shows.

By Debt Management Editorial Team · 7 min · Nov 12, 2025
Habits That Separate People Who Clear Debt from Those Who Stay Stuck
Debt Management

Habits That Separate People Who Clear Debt from Those Who Stay Stuck

Consistent, evidence-informed habits drive lasting debt reduction. Explore the practical behaviours that support steady progress without sacrificing retirement savings.

By Debt Management Editorial Team · 7 min · Mar 21, 2024
Home Equity as a Debt Tool: What to Weigh Before Tapping It
Debt Management

Home Equity as a Debt Tool: What to Weigh Before Tapping It

Using home equity to consolidate or pay off debt has real advantages and genuine risks. Here is a balanced look at both sides to help you think it through.

By Debt Management Editorial Team · 7 min · Nov 23, 2025
Managing Debt Strategically in the Years Leading Up to Retirement
Debt Management

Managing Debt Strategically in the Years Leading Up to Retirement

A comprehensive look at how adults aged 40-60 can tackle debt methodically, protect retirement contributions, and reduce financial stress before they stop working.

By Debt Management Editorial Team · 9 min · Nov 13, 2025
Should You Pay Down Debt or Invest for Retirement First?
Debt Management

Should You Pay Down Debt or Invest for Retirement First?

One of the trickiest financial questions for adults in their 40s and 50s. Explore the key factors that help you think through this common dilemma clearly.

By Debt Management Editorial Team · 6 min · Sep 15, 2025
The Debt Terms Every Adult Should Understand Before Making a Move
Debt Management

The Debt Terms Every Adult Should Understand Before Making a Move

From APR to charge-off to debt-to-income ratio, this reference guide defines the most important debt-related terms in plain language.

By Debt Management Editorial Team · 8 min · Jul 19, 2024
Warning Signs Your Debt Load Is Threatening Your Retirement Timeline
Debt Management

Warning Signs Your Debt Load Is Threatening Your Retirement Timeline

Certain debt patterns quietly delay retirement by years. Learn to recognize the signals early so you can take corrective action while time is still on your side.

By Debt Management Editorial Team · 7 min · Jun 30, 2025
Why Minimum Payments Feel Safe But Often Are Not
Debt Management

Why Minimum Payments Feel Safe But Often Are Not

Paying only the minimum each month can stretch a balance for decades. Here is how the math works and what a more informed repayment approach looks like.

By Debt Management Editorial Team · 6 min · Jun 25, 2023