5. Keep an Eye on Debt (and Don’t Let It Steal Your Peace)
Debt can feel heavier as we age, especially if income sources become fixed. But here’s the truth: even small, steady payments can make a big difference over time.
Start by tackling high-interest debt first — especially credit cards or personal loans. If you have multiple balances, look into consolidating or refinancing at a lower rate. And if you’re still carrying a mortgage, consider how long it makes sense to keep it. Some retirees choose to pay it off early for peace of mind, while others prefer to keep liquidity.
What matters most is balance — not pressure.
