Borrowing money after 50 is a fundamentally different calculation than borrowing in your 30s. With retirement on the horizon and income likely to shift to a fixed basis, the type of debt you carry — and the risks attached to it — matters more than ever. The core question is one most men haven’t thought through carefully: what’s the difference between secured and unsecured debt, and which one makes sense for where you are right now? In this episode, we explain both in plain terms, walk through the advantages and risks of each, and help senior men make smarter borrowing decisions at a stage of life when the stakes are at their highest.