Planning for retirement can feel overwhelming, especially if you’re starting after age 50. The good news? It’s never too late to take control of your finances, manage debt wisely, and build a solid foundation for your retirement years. If you’re curious about how to get started, here’s a straightforward guide with practical tips on saving, planning income, and managing debt—all in a down-to-earth style. Why Managing Debt Matters for Retirement Planning Carrying debt into reti