Do not have housing loan or personal loan in retirement.

Every reasonable financial advisor will ask you to not carry debt especially mortgage or personal loan in retirement. Paying off your mortgage before retirement is one of the beneficial move, to make before retirement. You can secure your retirement and remain stress-free by paying off debts. When you use limited income in retirement to pay off mortgage, it leads to a more stressful retirement with seniors. Mortgage debt can make a senior citizens to not pay for their medications, light, water, and foods. Senior citizens cannot go back to working 80 hours a week, so it is essential to eliminate mortgage debt before retirement. In addition, we do not know how long social security can survive and thrive with limited balanced book. Encouraging friends and families to pay off their mortgage and personal loan before retirement, is the perfect way to enjoy retirement and remain stress-free.


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