May 06, 2026

EP78: Avoiding Credit Card Traps

19 minutes

Welcome back to Roadmap to Retirement, this episode I will be answering recent client questions:

What to do if you’re spending more in retirement (first verify if it’s sustainable, then budget, cut expenses, or add part-time income)

How to help an elderly mom after a pension ends (consider selling the home or a reverse mortgage)

Ways to tackle credit card debt (lower-rate loans, possibly a 401(k) loan and fixing the underlying income/expense or emergency-fund issue)

Planning a “retirement” that’s really a second full-time career (adjust investments, taxes, and health insurance)

When to involve adult children (beneficiary meeting sooner is better)

How much cash to keep (about 3–6 months’ expenses, start small if needed).

Come back soon for another episode!

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By Alex Neri