{"id":17228,"date":"2024-10-06T20:38:00","date_gmt":"2024-10-07T01:38:00","guid":{"rendered":"https:\/\/dsb-rockisland.com\/wealth-management-insights\/?p=17228"},"modified":"2025-03-24T12:45:44","modified_gmt":"2025-03-24T17:45:44","slug":"retiring-debt-when-you-retire","status":"publish","type":"post","link":"https:\/\/dsb-rockisland.com\/wealth-management-and-planning\/wealth-management-and-planning\/retiring-debt-when-you-retire\/","title":{"rendered":"Retiring Debt When You Retire"},"content":{"rendered":"\n

When it’s time to retire, it’s important to find ways to minimize debt<\/h2>\n\n\n\n

Credit card usage is ubiquitous for Americans. Online purchases are just a click away when paying with a card, while other transactions \u2014 car rentals, for instance \u2014 require a credit card for both payment and security.<\/p>\n\n\n\n

Commensurate with credit card usage is carryover debt that accumulates each month, a financial strain for those entering retirement. There are a few key considerations for using a credit card once you\u2019re relying on a fixed monthly income.<\/p>\n\n\n\n

Think Twice Before Using Credit Cards<\/h3>\n\n\n\n

When living on a fixed income, using a credit card as if it were income may deliver a short-term benefit \u2014\u00a0i.e., that big ticket item that looked too good to pass up \u2014 but it comes at a long-term cost: an inability to sustain your standard of living.<\/p>\n\n\n\n

While paying for groceries and other necessities is convenient with just a swipe or tap at the register, unless you can pay off the balance each month, you\u2019ll incur a credit card bill that accumulates finance charges each month, making it an increasingly formidable debt to discharge.<\/p>\n\n\n\n

What to Consider When Considering a Credit Card<\/h3>\n\n\n\n

Not all credit cards are alike. When assessing whether to sign up for a card, consider your intended use. Cards with enticing rewards programs may be appropriate if you\u2019re paying off the balance each month, though these programs typically come with hefty annual fees. Also, if the cards include a high interest rate, it\u2019s financially prudent to turn down the prospective rewards and instead look for a card with a lower interest rate.<\/p>\n\n\n\n

Nurture Your Credit<\/h3>\n\n\n\n

You can receive a lower interest rate on a credit card if your credit score is strong. To improve your rating, pay your bills on time and minimize your debt.<\/p>\n\n\n\n

Chipping Away at Debt<\/h3>\n\n\n\n

While doing away with all credit cards may be impractical, reducing your debt will help keep your finances in order and your fixed income more predictable. We can help<\/a> you map out a custom financial plan to to lower your debt. <\/p>\n","protected":false},"excerpt":{"rendered":"

When living on a fixed income, using a credit card as if it were income may deliver a short-term benefit \u2014\u00a0I.e., that big ticket item that looked too good to pass up \u2014 but it comes at a long-term cost: an inability to sustain your standard of living.<\/p>\n","protected":false},"author":2,"featured_media":17230,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[405],"tags":[433,443,444,434],"class_list":["post-17228","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wealth-management-and-planning","tag-credit-card","tag-debt","tag-fixed-income","tag-minnesota-financial-planners"],"acf":[],"yoast_head":"\nRetiring Debt When You Retire - DSB Rock Island Wealth 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