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                    <title><![CDATA[ Latest from Kiplinger in Credit-debt ]]></title>
                <link>https://www.kiplinger.com/personal-finance/credit-debt</link>
        <description><![CDATA[ All the latest credit-debt content from the Kiplinger team ]]></description>
                                    <lastBuildDate>Wed, 08 Apr 2026 11:05:00 +0000</lastBuildDate>
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                                                            <title><![CDATA[ Thinking About Using Your Home Equity in April? What to Know About Rates, Risks and Timing First ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-equity-loans/what-to-know-before-tapping-home-equity</link>
                                                                            <description>
                            <![CDATA[ With borrowing costs still elevated and economic uncertainty in play, tapping your home equity requires a clear plan, not just available equity. ]]>
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                                                                        <pubDate>Wed, 08 Apr 2026 11:05:00 +0000</pubDate>                                                                                                                                <updated>Thu, 09 Apr 2026 17:31:37 +0000</updated>
                                                                                                                                            <category><![CDATA[Home Equity Loans]]></category>
                                                    <category><![CDATA[Home Improvement]]></category>
                                                    <category><![CDATA[Home]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Shopping]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Qyqgd8k6x9Ept2VG3SoGTQ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[House Model on Top of Stack of Coins ]]></media:description>                                                            <media:text><![CDATA[House Model on Top of Stack of Coins ]]></media:text>
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                                                            <title><![CDATA[ The Private Assets Held in Public Companies ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/investing/the-private-assets-held-in-public-companies</link>
                                                                            <description>
                            <![CDATA[ Shareholders of some of the most widely owned stocks are investing indirectly in private equity and debt. ]]>
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                                                                        <pubDate>Wed, 08 Apr 2026 09:45:00 +0000</pubDate>                                                                                                                                <updated>Wed, 08 Apr 2026 20:57:18 +0000</updated>
                                                                                                                                            <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                                                                <author><![CDATA[ kiplinger@futurenet.com (Anne Kates Smith) ]]></author>                    <dc:creator><![CDATA[ Anne Kates Smith ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/nVX2hqswTFPr64fLaCJ4Ef-1280-80.jpg">
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                                                            <title><![CDATA[ 4 Ways to Make Debt Your Friend Instead of Your Frenemy ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/debt/how-to-make-debt-your-friend</link>
                                                                            <description>
                            <![CDATA[ Debt can actually be a helpful tool, provided you understand the difference between good debt and bad debt and use it to optimize your financial strategy. ]]>
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                                                                        <pubDate>Tue, 17 Mar 2026 09:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Meagan Dow, CFA®, CFP® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/gEkK9PgNcqZmMNj4ddqMAQ-1280-80.jpg">
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                                <media:title type="plain"><![CDATA[Smiley face on a pink post-it note among sad faces on yellow post-its]]></media:title>
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                                                            <title><![CDATA[ Costco's Auto Program: Can Membership Pricing Really Save You Money on a Car? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/family-savings/costco-auto-program-how-it-works</link>
                                                                            <description>
                            <![CDATA[ Costco's Auto Program can simplify the car-buying process with prearranged pricing and member perks. Here's what to know before you use it. ]]>
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                                                                        <pubDate>Wed, 25 Feb 2026 11:50:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Family Savings]]></category>
                                                    <category><![CDATA[Used Cars]]></category>
                                                    <category><![CDATA[Car Loans]]></category>
                                                    <category><![CDATA[Cars]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Shopping]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/YfidRP7uxRScttwzZ7LeuJ-1280-80.jpg">
                                                            <media:credit><![CDATA[SOPA Images / Contributor]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[In this photo illustration, the Costco Auto Program logo is displayed on a smartphone screen with a Costco Wholesale Corporation logo in the background. (Photo Illustration by Igor Golovniov/SOPA Images/LightRocket via Getty Images)]]></media:description>                                                            <media:text><![CDATA[In this photo illustration, the Costco Auto Program logo is displayed on a smartphone screen with a Costco Wholesale Corporation logo in the background. (Photo Illustration by Igor Golovniov/SOPA Images/LightRocket via Getty Images)]]></media:text>
                                <media:title type="plain"><![CDATA[In this photo illustration, the Costco Auto Program logo is displayed on a smartphone screen with a Costco Wholesale Corporation logo in the background. (Photo Illustration by Igor Golovniov/SOPA Images/LightRocket via Getty Images)]]></media:title>
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                                                            <title><![CDATA[ How You Can Use the Financial Resource Built Into Your Home to Help With Your Long-Term Goals ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/how-to-use-home-equity-for-long-term-goals</link>
                                                                            <description>
                            <![CDATA[ Homeowners are increasingly using their home equity, through products like HELOCs and home equity loans, as a financial resource for managing debt, funding renovations and more. ]]>
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                                                                        <pubDate>Mon, 23 Feb 2026 10:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Jon Giles ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/dMs4nN7dGwVmUJL4URHDSF-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A hand dropping a coin into a piggy bank encased in a white line-art outline of a house]]></media:description>                                                            <media:text><![CDATA[A hand dropping a coin into a piggy bank encased in a white line-art outline of a house]]></media:text>
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                                                            <title><![CDATA[ 6 Financially Savvy Power Moves for Women in 2026 (Prepare to Be in Charge!) ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/financially-savvy-moves-for-women-in-2026</link>
                                                                            <description>
                            <![CDATA[ Don't let the day-to-day get in the way of long-term financial planning. Here's how to get organized — including a reminder to dream big about your future. ]]>
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                                                                        <pubDate>Thu, 15 Jan 2026 10:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Mary Ware, CFP®, CIMA®, CDFA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9FUDnj6m7UPHs2vrgqAUW6-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A professionally dressed woman flexes her bicep like she&#039;s in charge.]]></media:description>                                                            <media:text><![CDATA[A professionally dressed woman flexes her bicep like she&#039;s in charge.]]></media:text>
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                                                            <title><![CDATA[ What to Watch for When Refinancing Your Home Mortgage ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/what-to-watch-for-when-refinancing-your-home-mortgage</link>
                                                                            <description>
                            <![CDATA[ A smart refinance can save you thousands, but only if you know how to avoid costly pitfalls, calculate true savings and choose the right loan for your goals. ]]>
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                                                                        <pubDate>Sat, 10 Jan 2026 11:20:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Refinancing]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/y6bXaxMuSjVmCLsqSzRBjG-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Home Mortgage Refinance Application and pen and calculator]]></media:description>                                                            <media:text><![CDATA[Home Mortgage Refinance Application and pen and calculator]]></media:text>
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                                                            <title><![CDATA[ Should You Use Buy Now, Pay Later Options to Finance Your Vacation?  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/travel/should-you-use-buy-now-pay-later-options-finance-vacation</link>
                                                                            <description>
                            <![CDATA[ Many travel companies are letting users pay in installments. But is "buy now, pay later" a smart financial decision? ]]>
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                                                                        <pubDate>Tue, 30 Dec 2025 14:15:00 +0000</pubDate>                                                                                                                                <updated>Tue, 30 Dec 2025 14:20:05 +0000</updated>
                                                                                                                                            <category><![CDATA[Travel]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Spending]]></category>
                                                    <category><![CDATA[Leisure]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Becca van Sambeck ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/AEkjzaV4DMUru7ddL2DH5Y-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Close-up of wooden blocks spelling BNPL placed on stacks of coins.]]></media:description>                                                            <media:text><![CDATA[Close-up of wooden blocks spelling BNPL placed on stacks of coins.]]></media:text>
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                                                            <title><![CDATA[ 5 Smart Things to Do With Your Year-End Bonus, From a Financial Professional ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/smart-things-to-do-with-your-year-end-bonus</link>
                                                                            <description>
                            <![CDATA[ After you indulge your urge to splurge on a treat, consider doing adult things with the extra cash, like paying down debt, but also setting up a "fun fund." ]]>
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                                                                        <pubDate>Thu, 18 Dec 2025 10:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                <author><![CDATA[ kkiemle@halberthargrove.com (Kelli Kiemle, AIF®) ]]></author>                    <dc:creator><![CDATA[ Kelli Kiemle, AIF® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/yF6te52mZJJEPeHp8JErU9-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman makes a celebratory gesture as she looks at her tablet in an office corridor.]]></media:description>                                                            <media:text><![CDATA[A woman makes a celebratory gesture as she looks at her tablet in an office corridor.]]></media:text>
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                                                            <title><![CDATA[ How Much Would a $50,000 HELOC Cost Per Month? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-equity-loans/how-much-does-a-heloc-cost-per-month</link>
                                                                            <description>
                            <![CDATA[ Thinking about tapping your home’s equity? Here’s what a $50,000 HELOC might cost you each month based on current rates. ]]>
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                                                                        <pubDate>Sat, 06 Dec 2025 11:10:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Home Equity Loans]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Home Improvement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/dutS66QCXWVe5MDiE9ZXPT-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[The words &quot;Home equity line of credit&quot; displayed next to an icon of a house and money]]></media:description>                                                            <media:text><![CDATA[The words &quot;Home equity line of credit&quot; displayed next to an icon of a house and money]]></media:text>
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                                                            <title><![CDATA[ Should You Tap Your Home Equity Before 2026? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/home-equity-loans/should-you-tap-your-home-equity-now</link>
                                                                            <description>
                            <![CDATA[ As borrowing rates and tax law shifts converge, here's what homeowners need to know before pulling equity out of their home. ]]>
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                                                                        <pubDate>Thu, 04 Dec 2025 12:00:00 +0000</pubDate>                                                                                                                                <updated>Tue, 09 Dec 2025 20:07:08 +0000</updated>
                                                                                                                                            <category><![CDATA[Home Equity Loans]]></category>
                                                    <category><![CDATA[Home Improvement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Choncé Maddox ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/5fDYkgTtWk33wDZK8g6xsb-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A dollar sign and a house balancing on a scale. ]]></media:description>                                                            <media:text><![CDATA[A dollar sign and a house balancing on a scale. ]]></media:text>
                                <media:title type="plain"><![CDATA[A dollar sign and a house balancing on a scale. ]]></media:title>
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                                                            <title><![CDATA[ When an Extended Car Warranty is Worth It — and When it's Not ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/cars/when-an-extended-car-warranty-is-worth-it</link>
                                                                            <description>
                            <![CDATA[ Got the "we're trying to reach you about your car's extended warranty" call? Here's what you need to know before buying. ]]>
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                                                                        <pubDate>Wed, 12 Nov 2025 21:20:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Car Insurance]]></category>
                                                    <category><![CDATA[Cars]]></category>
                                                    <category><![CDATA[Car Loans]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Shopping]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Rachael Green ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/xpTT6niowfbcWGZyzoqQNc-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A salesperson hands car keys to a man sitting in the driver seat of a car.]]></media:description>                                                            <media:text><![CDATA[A salesperson hands car keys to a man sitting in the driver seat of a car.]]></media:text>
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                                                            <title><![CDATA[ I'm 61 and need $50,000 for home repairs. Should I borrow, given today's rates, or take a withdrawal from my $950,000 401(k)? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/401ks/im-61-and-need-usd50-000-for-home-repairs-should-i-borrow-given-todays-rates-or-take-a-withdrawal-from-my-usd950-000-401-k</link>
                                                                            <description>
                            <![CDATA[ We asked financial experts for advice. ]]>
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                                                                        <pubDate>Sun, 09 Nov 2025 11:06:00 +0000</pubDate>                                                                                                                                <updated>Tue, 11 Nov 2025 18:41:30 +0000</updated>
                                                                                                                                            <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Home Equity Loans]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/qrvrU4rF4wWo5fDfS5aPFd-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A concerned mature woman with curly gray hair reviews paperwork at her kitchen table. She holds a document while looking at it intently, surrounded by a laptop, calculator, and papers]]></media:description>                                                            <media:text><![CDATA[A concerned mature woman with curly gray hair reviews paperwork at her kitchen table. She holds a document while looking at it intently, surrounded by a laptop, calculator, and papers]]></media:text>
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                                                            <title><![CDATA[ Credit Score News Could Help First-Time Homebuyers ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-score/credit-score-news-could-help-first-time-homebuyers</link>
                                                                            <description>
                            <![CDATA[ Lenders who sell mortgages to Fannie Mae and Freddie Mac used to only be able to use FICO for loan qualification. Now there's VantageScore, owned by the three major credit bureaus. ]]>
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                                                                        <pubDate>Sun, 09 Nov 2025 11:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Buying A Home]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                <author><![CDATA[ ella.vincent@futurenet.com (Ella Vincent) ]]></author>                    <dc:creator><![CDATA[ Ella Vincent ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/KuFTSEjmsecorgc7gsvHWK-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A family moves into a new home.]]></media:description>                                                            <media:text><![CDATA[A family moves into a new home.]]></media:text>
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                                                            <title><![CDATA[ A New Kind of HELOC Lets Homeowners Fund Remodels on Their Terms ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/home-improvement/trovy-home-renovation-financing</link>
                                                                            <description>
                            <![CDATA[ Finance home upgrades gradually, using the equity you already have. ]]>
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                                                                        <pubDate>Thu, 06 Nov 2025 18:02:45 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Home Improvement]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Refinancing]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Carla Ayers ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/iU3JSBbEvEtmprkyh4a6F5-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A couple painting walls and renovating their home, having fun. ]]></media:description>                                                            <media:text><![CDATA[A couple painting walls and renovating their home, having fun. ]]></media:text>
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                                                            <title><![CDATA[ Treat Home Equity Like Other Investments in Your Retirement Plan: Look at Its Track Record ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/treat-home-equity-like-other-retirement-investments</link>
                                                                            <description>
                            <![CDATA[ Homeowners who are considering using home equity in their retirement plan can analyze it like they do their other investments. Here's how. ]]>
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                                                                        <pubDate>Fri, 17 Oct 2025 09:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Home Equity Loans]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Jerry Golden, Investment Adviser Representative ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/qNAqUVcqEadF7bwTXZYyzP-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A stock market graph shows stocks going up.]]></media:description>                                                            <media:text><![CDATA[A stock market graph shows stocks going up.]]></media:text>
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                                                            <title><![CDATA[ Don't Make These 'Buy Now, Pay Later' Mistakes ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/shopping/buy-now-pay-later-mistakes-to-avoid</link>
                                                                            <description>
                            <![CDATA[ Don't Make These 'Buy Now, Pay Later' Mistakes ]]>
                                                                                                            </description>
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                                                                        <pubDate>Fri, 10 Oct 2025 10:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Shopping]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kerri Anne Renzulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9phYfwxFHNUsFqrE2fKKAH-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[picture of notepad saying &amp;quot;I want it later or now&amp;quot; with check mark next to now]]></media:description>                                                            <media:text><![CDATA[picture of notepad saying &amp;quot;I want it later or now&amp;quot; with check mark next to now]]></media:text>
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                                                            <title><![CDATA[ Four Ways a Massive Emergency Fund Can Hurt You More Than It Helps ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/savings/how-a-massive-emergency-fund-can-hurt-you-more-than-it-helps</link>
                                                                            <description>
                            <![CDATA[ Saving too much could mean you're missing opportunities to put your money to work. Redirect some of that money toward paying off debt, building retirement funds, fulfilling a dream or investing in higher-growth options. ]]>
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                                                                        <pubDate>Sun, 05 Oct 2025 09:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Savings]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Anthony Martin ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/RMTSqnohC3qQ9iTbHmmbiV-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A large pile of cash.]]></media:description>                                                            <media:text><![CDATA[A large pile of cash.]]></media:text>
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                                                            <title><![CDATA[ Quiz: Do You Know Annuities? What About Recent Student Loan Changes and Boomer Retirement Challenges? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/puzzles/quizzes/kiplinger-quiz-adviser-intel-september-30-2025</link>
                                                                            <description>
                            <![CDATA[ The financial professionals who contribute to Kiplinger's Adviser Intel recently wrote about myths about annuities, Boomers' retirement reality check and OBBB changes to federal student loans. ]]>
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                                                                        <pubDate>Tue, 30 Sep 2025 16:45:00 +0000</pubDate>                                                                                                                                <updated>Wed, 01 Oct 2025 14:05:40 +0000</updated>
                                                                                                                                            <category><![CDATA[Quizzes]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Inheritance]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Puzzles]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kiplinger Staff ]]></dc:creator>                                                                                                    <media:content type="image/png" url="https://cdn.mos.cms.futurecdn.net/w6am8gA2pCbAZzM6jrD3F4-1280-80.png">
                                                            <media:credit><![CDATA[Future]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Kiplinger Puzzles Quiz Color Background]]></media:description>                                                            <media:text><![CDATA[Kiplinger Puzzles Quiz Color Background]]></media:text>
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                                                            <title><![CDATA[ Student Loan Shake-Up: What the OBBB Means for Parent PLUS Borrowers, From a Financial Aid Expert ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/student-loans/student-loans-what-the-obbb-means-for-parent-plus-borrowers</link>
                                                                            <description>
                            <![CDATA[ For students starting a new program on/after July 1, 2026, loans will be capped at $20,000 annually, and parents can borrow no more than $65,000 total, a big change from the unlimited borrowing setup. ]]>
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                                                                        <pubDate>Sun, 28 Sep 2025 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Elaine Rubin ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/LhuVRyMWdEQ94gNX5FTMKD-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A mom takes a selfie with her daughter, who&#039;s holding a box that says college.]]></media:description>                                                            <media:text><![CDATA[A mom takes a selfie with her daughter, who&#039;s holding a box that says college.]]></media:text>
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                                                            <title><![CDATA[ Falling Interest Rates: What They Mean for Homeowners, Savers and Investors ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/interest-rates/rate-drop-winners-and-losers</link>
                                                                            <description>
                            <![CDATA[ As interest rates fall, homeowners may celebrate while savers feel the pinch. Here’s what the change could mean for your money. ]]>
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                                                                        <pubDate>Thu, 18 Sep 2025 18:29:42 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Interest Rates]]></category>
                                                    <category><![CDATA[High Yield Savings Accounts]]></category>
                                                    <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Refinancing]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Choncé Maddox ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/HaKNTvqTHTA2z2Xc5DvVr8-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A scale with the percent symbol being lowered]]></media:description>                                                            <media:text><![CDATA[A scale with the percent symbol being lowered]]></media:text>
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                                                            <title><![CDATA[ Refinance Applications Surge as Mortgage Rates Tumble ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/mortgage-market-shift-refinance-apps-up</link>
                                                                            <description>
                            <![CDATA[ The window to refinance is reopening as mortgage rates hit their lowest level in nearly a year. Here’s what the market shift means for homeowners. ]]>
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                                                                        <pubDate>Thu, 18 Sep 2025 17:29:44 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Refinancing]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                                    <dc:creator><![CDATA[ Paige Cerulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Nf5ywaqvnzT2o4aCHDAv77-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Woodgrain background with  toy house and refinance on a tag.]]></media:description>                                                            <media:text><![CDATA[Woodgrain background with  toy house and refinance on a tag.]]></media:text>
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                                                            <title><![CDATA[ New Rules, New Opportunities for Student Loans: An Expert Guide to Preparing for What's Next ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/student-loans/new-rules-for-student-loans-preparing-for-whats-next</link>
                                                                            <description>
                            <![CDATA[ Major changes are coming to federal student loan rules, so it's a good time for borrowers to understand how these shifts will impact their financial planning. ]]>
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                                                                        <pubDate>Thu, 18 Sep 2025 09:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[College]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Careers]]></category>
                                                                                                <author><![CDATA[ Christopher.Ebeling@citizensbank.com (Chris Ebeling) ]]></author>                    <dc:creator><![CDATA[ Chris Ebeling ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/phViypqj2eL8heGAJajrzG-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A college student smiles while she stands outside a building holding a manila envelope to her chest.]]></media:description>                                                            <media:text><![CDATA[A college student smiles while she stands outside a building holding a manila envelope to her chest.]]></media:text>
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                                                            <title><![CDATA[ I'm an Investment Strategist: This Is How the Fed's Next Rate Move Could Impact Your Wallet ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/how-the-feds-next-rate-move-could-impact-your-wallet</link>
                                                                            <description>
                            <![CDATA[ Interest rate cuts might be coming, which could affect everything from your credit card debt to your mortgage. It's smart to prepare now — here's how. ]]>
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                                                                        <pubDate>Fri, 12 Sep 2025 09:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Interest Rates]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                <author><![CDATA[ bradley.thompson@newcanaangroup.com (Bradley Thompson, CFA®) ]]></author>                    <dc:creator><![CDATA[ Bradley Thompson, CFA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/hqyJsStmQQdgsX9ksPhj6o-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older couple look happy as they work on paperwork at their dining room table.]]></media:description>                                                            <media:text><![CDATA[An older couple look happy as they work on paperwork at their dining room table.]]></media:text>
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                                                            <title><![CDATA[ This Is How the Student Loan Bubble Is Primed to Pop, From a Student Funding Expert ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/student-loans/how-the-student-loan-bubble-is-primed-to-pop</link>
                                                                            <description>
                            <![CDATA[ Fueled by easy money, inflated tuition and high default rates, the student loan bubble mirrors the 2008 subprime mortgage crisis. We could be headed for a potential financial collapse. What can we do? ]]>
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                                                                        <pubDate>Thu, 04 Sep 2025 09:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ dan@yelofunding.com (Daniel Rubin) ]]></author>                    <dc:creator><![CDATA[ Daniel Rubin ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/o4xJWvPBrrJkYgunJcG89L-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A man&#039;s finger bursts a large soap bubble.]]></media:description>                                                            <media:text><![CDATA[A man&#039;s finger bursts a large soap bubble.]]></media:text>
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                                                            <title><![CDATA[ I'm a Financial Professional: Here Are Four Ways You Can Use Debt to Build Wealth ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/ways-you-can-use-debt-to-build-wealth</link>
                                                                            <description>
                            <![CDATA[ Using debt strategically, such as for homeownership, education and more, can lead to greater financial stability and growth. ]]>
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                                                                        <pubDate>Mon, 01 Sep 2025 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Anthony Martin ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/XPy4pcfijJRM6UP6web32W-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A young couple look at their phones while financial planning at their dining room table.]]></media:description>                                                            <media:text><![CDATA[A young couple look at their phones while financial planning at their dining room table.]]></media:text>
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                                                            <title><![CDATA[ Think Twice Before Getting a Credit Card Cash Advance ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-cards/think-twice-before-getting-a-credit-card-cash-advance</link>
                                                                            <description>
                            <![CDATA[ A credit card cash advance can be a quick solution when you need emergency help with money. But you'll pay for the convenience with high interest and fees. ]]>
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                                                                        <pubDate>Sat, 30 Aug 2025 13:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Personal Loans]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ ella.vincent@futurenet.com (Ella Vincent) ]]></author>                    <dc:creator><![CDATA[ Ella Vincent ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/x5d6FbGTkGJkm46kswZ6Nm-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A man pulls a card from his wallet while standing in front of an ATM.]]></media:description>                                                            <media:text><![CDATA[A man pulls a card from his wallet while standing in front of an ATM.]]></media:text>
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                                                            <title><![CDATA[ The New Rules for Student Loans ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/the-new-rules-for-student-loans</link>
                                                                            <description>
                            <![CDATA[ Whether you’re paying off education debt now or planning to borrow in the future, get ready for bigger payments and lower loan limits. ]]>
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                                                                        <pubDate>Fri, 29 Aug 2025 14:00:00 +0000</pubDate>                                                                                                                                <updated>Mon, 06 Oct 2025 21:26:52 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kerri Anne Renzulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/wNmWyqAXt7eRZF7MdAahbY-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[image of a pink piggy bank with a graduation cap on its head and coins flying above]]></media:description>                                                            <media:text><![CDATA[image of a pink piggy bank with a graduation cap on its head and coins flying above]]></media:text>
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                                                            <title><![CDATA[ How to Handle Costly Medical Bills — Smartly ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-debt/how-to-handle-costly-medical-bills-smartly</link>
                                                                            <description>
                            <![CDATA[ If you’re looking for a way to pay for looming health care expenses, or if you’ve already fallen into debt, you have avenues to ease the burden. ]]>
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                                                                        <pubDate>Thu, 28 Aug 2025 09:40:00 +0000</pubDate>                                                                                                                                <updated>Tue, 02 Sep 2025 16:13:59 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Health Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                <author><![CDATA[ emma.patch@futurenet.com (Emma Patch) ]]></author>                    <dc:creator><![CDATA[ Emma Patch ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/cShSdd7vw6U5r8ejTboKj5-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Photo of a woman sitting on the floor surrounded by bills]]></media:description>                                                            <media:text><![CDATA[Photo of a woman sitting on the floor surrounded by bills]]></media:text>
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                                                            <title><![CDATA[ 'Buy Now, Pay Later' for Everyday Spending? This Financial Pro Thinks It's Risky ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/buy-now-pay-later-bnpl-for-everyday-spending-why-its-risky</link>
                                                                            <description>
                            <![CDATA[ 'Buy Now, Pay Later' apps can get you out of a jam when you need money quickly. But using them regularly for small purchases could create problems. ]]>
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                                                                        <pubDate>Wed, 30 Jul 2025 09:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Jared Elson, Investment Adviser ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Vujn8VT6aNQspGUTZ4h73Z-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman&#039;s hands hold a phone that has the words &quot;buy now, pay later&quot; on the screen.]]></media:description>                                                            <media:text><![CDATA[A woman&#039;s hands hold a phone that has the words &quot;buy now, pay later&quot; on the screen.]]></media:text>
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                                                            <title><![CDATA[ Social Security Garnishment Rules: What Retirees Need to Know ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/social-security/did-your-social-security-check-get-smaller-what-garnishment-rules-mean-for-you</link>
                                                                            <description>
                            <![CDATA[ Do you know who can garnish your monthly Social Security benefit? Or take the funds from your bank account? Learn how to protect your benefits from creditors. ]]>
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                                                                        <pubDate>Wed, 23 Jul 2025 11:00:00 +0000</pubDate>                                                                                                                                <updated>Tue, 24 Mar 2026 17:59:01 +0000</updated>
                                                                                                                                            <category><![CDATA[Social Security]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Donna LeValley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Wy4MaoWfMg2yeKoZkMT3eN-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Dollar money bag blocked by road cones. Freezing of accounts and sanctions on capital. Dedollarisation. Suspicious funds with unknown sources. National money reserve.]]></media:description>                                                            <media:text><![CDATA[Dollar money bag blocked by road cones. Freezing of accounts and sanctions on capital. Dedollarisation. Suspicious funds with unknown sources. National money reserve.]]></media:text>
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                                                            <title><![CDATA[ Dave Ramsey Calls Out These 5 Money Mistakes — Are You Guilty? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/debt/dave-ramsey-financial-habits-to-avoid</link>
                                                                            <description>
                            <![CDATA[ Your debt can prevent you from reaching your financial goals. Per financial advisor Dave Ramsey, here are the common reasons keeping you in it. ]]>
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                                                                        <pubDate>Wed, 23 Jul 2025 10:00:00 +0000</pubDate>                                                                                                                                <updated>Thu, 24 Jul 2025 16:03:05 +0000</updated>
                                                                                                                                            <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Spending]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Sean Jackson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/rUjfASWCwekoRFqY72CEzd-1280-80.jpg">
                                                            <media:credit><![CDATA[(c) Jupiterimages]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Woman paying bills]]></media:description>                                                            <media:text><![CDATA[Woman paying bills]]></media:text>
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                                                            <title><![CDATA[ Thinking of Getting a New Car in Retirement? Why GM's Latest News Matters ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/new-car-in-retirement-why-gms-latest-news-matters</link>
                                                                            <description>
                            <![CDATA[ The retirement car conundrum: buy outright or finance your next ride? ]]>
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                                                                        <pubDate>Tue, 22 Jul 2025 21:05:36 +0000</pubDate>                                                                                                                                <updated>Fri, 25 Jul 2025 11:25:13 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Car Loans]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ donna.fuscaldo@futurenet.com (Donna Fuscaldo) ]]></author>                    <dc:creator><![CDATA[ Donna Fuscaldo ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/NwZRuB3L2FrDaMpb2U5PLd-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older couple at the car dealer.]]></media:description>                                                            <media:text><![CDATA[An older couple at the car dealer.]]></media:text>
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                                                            <title><![CDATA[ 'Drivers License': A Wealth Strategist Helps Gen Z Hit the Road ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/financial-planning-for-gen-z</link>
                                                                            <description>
                            <![CDATA[ From student loan debt to a changing job market, this generation has some potholes to navigate. But with those challenges come opportunities. ]]>
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                                                                        <pubDate>Tue, 15 Jul 2025 09:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[student debt]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                                    <dc:creator><![CDATA[ Alvina Lo ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/YTosFLBPYncYnzuw2jKeNh-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Two young adults sing along with the radio on a road trip.]]></media:description>                                                            <media:text><![CDATA[Two young adults sing along with the radio on a road trip.]]></media:text>
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                                                            <title><![CDATA[ Financial Pros Provide a Beginner's Guide to Building Wealth in 10 Years ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/a-beginners-guide-to-building-wealth-in-10-years</link>
                                                                            <description>
                            <![CDATA[ Building wealth over 10 years requires understanding your current financial situation, budgeting effectively, eliminating high-interest debt and increasing both your income and financial literacy. ]]>
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                                                                        <pubDate>Mon, 14 Jul 2025 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Anthony Martin ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/NT2p8L4k84Z9k4MbZthXKP-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman smiles while she looks over paperwork while standing in her home.]]></media:description>                                                            <media:text><![CDATA[A woman smiles while she looks over paperwork while standing in her home.]]></media:text>
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                                                            <title><![CDATA[ Trump Targets Student Loan Forgiveness: Here’s How Taxes and Repayment Could Soon Change ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/trump-targets-student-loan-forgiveness</link>
                                                                            <description>
                            <![CDATA[ The so-called "big beautiful bill" and the Trump administration’s executive action are making the future of student loan forgiveness and its tax consequences uncertain. ]]>
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                                                                        <pubDate>Tue, 08 Jul 2025 15:16:00 +0000</pubDate>                                                                                                                                <updated>Tue, 28 Oct 2025 16:25:04 +0000</updated>
                                                                                                                                            <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kelley R. Taylor ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/UaHFoRecqLcTkmyjQWaVRE-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[pink piggy bank with grad cap on and coins floating above]]></media:description>                                                            <media:text><![CDATA[pink piggy bank with grad cap on and coins floating above]]></media:text>
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                                                            <title><![CDATA[ A Financial Expert's Three Steps to Becoming Debt-Free (Even in This Economy) ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/debt-management/steps-to-become-debt-free-even-in-this-economy</link>
                                                                            <description>
                            <![CDATA[ If debt has you spiraling, now is the time to take a few common-sense steps to help knock it down and get it under control. ]]>
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                                                                        <pubDate>Fri, 04 Jul 2025 09:30:00 +0000</pubDate>                                                                                                                                <updated>Wed, 27 Aug 2025 20:31:23 +0000</updated>
                                                                                                                                            <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[student debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Stephen B. Dunbar III, JD, CLU ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/dm2xEJJvfwnJYhokXK5TZR-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A man celebrates as he looks at paperwork in his home.]]></media:description>                                                            <media:text><![CDATA[A man celebrates as he looks at paperwork in his home.]]></media:text>
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                                                            <title><![CDATA[ Home Equity Evolution: A Fresh Approach to Funding Life's Biggest Needs ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/shared-equity-model-a-fresh-approach-to-funding-lifes-biggest-needs</link>
                                                                            <description>
                            <![CDATA[ Homeowners leverage their home equity through various strategies, such as HELOCs or reverse mortgages. A newer option: Shared equity models. How do those work, and what are the pros and cons? ]]>
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                                                                        <pubDate>Tue, 01 Jul 2025 09:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Home Equity Loans]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Reverse Mortgages]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ ccorn@cheifs.com (Craig Corn) ]]></author>                    <dc:creator><![CDATA[ Craig Corn ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/q8cbNdREpupXUUxsaqRRWJ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A toy home sits on top of scattered hundred-dollar bills.]]></media:description>                                                            <media:text><![CDATA[A toy home sits on top of scattered hundred-dollar bills.]]></media:text>
                                <media:title type="plain"><![CDATA[A toy home sits on top of scattered hundred-dollar bills.]]></media:title>
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                                                            <title><![CDATA[ Your Home + Your IRA = Your Long-Term Care Solution ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/your-home-plus-your-ira-equals-your-long-term-care-solution</link>
                                                                            <description>
                            <![CDATA[ If you're worried that long-term care costs will drain your retirement savings, consider a personalized retirement plan that could solve your problem. ]]>
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                                                                        <pubDate>Sat, 28 Jun 2025 09:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Home Equity Loans]]></category>
                                                    <category><![CDATA[Reverse Mortgages]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                                                                                    <dc:creator><![CDATA[ Jerry Golden, Investment Adviser Representative ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/yGZ96GmRZeTp8o5EE2E2WX-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A piggy bank inside the frame of a house against a purple background.]]></media:description>                                                            <media:text><![CDATA[A piggy bank inside the frame of a house against a purple background.]]></media:text>
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                                                            <title><![CDATA[ Student Loan Delinquencies Are Hurting Credit Scores — Even for Parents and Grandparents ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/student-loans/student-loan-delinquencies-hurt-parents-grandparents</link>
                                                                            <description>
                            <![CDATA[ Millions of borrowers are falling behind on student loan payments, triggering steep credit score drops. If you or your family carry student debt, here's what you need to know now. ]]>
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                                                                        <pubDate>Fri, 13 Jun 2025 18:55:51 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Choncé Maddox ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/TGTF5eje45b9V3gNTuPMnk-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Grandfather and grandson are discussing education]]></media:description>                                                            <media:text><![CDATA[Grandfather and grandson are discussing education]]></media:text>
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                                                            <title><![CDATA[ Over 50 and Still Paying Student Loans? Here's Some Help ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/over-50-and-still-paying-student-loans-heres-some-help</link>
                                                                            <description>
                            <![CDATA[ It's the club no one wants to join. But if you are over 50 and still paying student loans, there are ways to tackle both debt and retirement savings. ]]>
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                                                                        <pubDate>Mon, 09 Jun 2025 10:10:00 +0000</pubDate>                                                                                                                                <updated>Thu, 24 Jul 2025 16:38:38 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[student debt]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Maurie Backman ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/YbhsCHN3iDJF8oebH66V9W-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A wide angle shot of a man standing and leaning against his kitchen worktop at home. He is using his laptop to process online banking and asses his personal finances. He looks stressed out.]]></media:description>                                                            <media:text><![CDATA[A wide angle shot of a man standing and leaning against his kitchen worktop at home. He is using his laptop to process online banking and asses his personal finances. He looks stressed out.]]></media:text>
                                <media:title type="plain"><![CDATA[A wide angle shot of a man standing and leaning against his kitchen worktop at home. He is using his laptop to process online banking and asses his personal finances. He looks stressed out.]]></media:title>
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                                                            <title><![CDATA[ A Financial Expert's Tips for Lending Money to Family and Friends ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/loans/tips-for-lending-money-to-family-and-friends</link>
                                                                            <description>
                            <![CDATA[ What starts as a lifeline can turn into a minefield if the borrower ghosts the lender. Following these three steps can help you avoid family feuds over funds. ]]>
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                                                                        <pubDate>Sat, 07 Jun 2025 09:30:00 +0000</pubDate>                                                                                                                                <updated>Mon, 09 Jun 2025 13:36:41 +0000</updated>
                                                                                                                                            <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ neale@nealegodfrey.com (Neale Godfrey, Financial Literacy Expert) ]]></author>                    <dc:creator><![CDATA[ Neale Godfrey, Financial Literacy Expert ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/WBpfAoYvmGAjL5NLZJHHcH-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman counts out cash to another woman while they sit on the sofa together.]]></media:description>                                                            <media:text><![CDATA[A woman counts out cash to another woman while they sit on the sofa together.]]></media:text>
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                                                            <title><![CDATA[ How the One Big Beautiful Bill Act Will Reshape 529 Plans ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/retirement-planning/how-the-one-big-beautiful-bill-act-could-reshape-529-plans</link>
                                                                            <description>
                            <![CDATA[ The new One Big Beautiful Bill Act, now signed into law, will change 529 plan rules as early as this summer. What does that mean for you? ]]>
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                                                                        <pubDate>Sun, 01 Jun 2025 13:00:00 +0000</pubDate>                                                                                                                                <updated>Tue, 08 Jul 2025 17:29:35 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[student debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                <author><![CDATA[ upnorthwriter@icloud.com (Kathryn Pomroy) ]]></author>                    <dc:creator><![CDATA[ Kathryn Pomroy ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/d6b8teRZKCuSmoESRvTh4F-1280-80.jpg">
                                                            <media:credit><![CDATA[BrianAJackson]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Graduation mortar board cap on one hundred dollar bills concept for the cost of a college and university education]]></media:description>                                                            <media:text><![CDATA[Graduation mortar board cap on one hundred dollar bills concept for the cost of a college and university education]]></media:text>
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                                                            <title><![CDATA[ How to Thaw a Credit Freeze — and Why You Would ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-cards/how-to-thaw-a-credit-freeze-and-why-you-would</link>
                                                                            <description>
                            <![CDATA[ As you shop for a loan or credit card, you must open up access to your credit reports. ]]>
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                                                                        <pubDate>Wed, 28 May 2025 11:00:00 +0000</pubDate>                                                                                                                                <updated>Mon, 02 Jun 2025 13:59:48 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ ella.vincent@futurenet.com (Ella Vincent) ]]></author>                    <dc:creator><![CDATA[ Ella Vincent ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/rh6LN7hXpLgPxopGR5qDvT-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A generic credit card frozen in a block of ice. The Platinum Credit card is available isolated in my portfolio. All names and account numbers are fake.]]></media:description>                                                            <media:text><![CDATA[A generic credit card frozen in a block of ice. The Platinum Credit card is available isolated in my portfolio. All names and account numbers are fake.]]></media:text>
                                <media:title type="plain"><![CDATA[A generic credit card frozen in a block of ice. The Platinum Credit card is available isolated in my portfolio. All names and account numbers are fake.]]></media:title>
                                                    </media:content>
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                                                            <title><![CDATA[ How to Get Your Finances Back on Track After a Divorce ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/how-to-get-your-finances-back-on-track-after-a-divorce</link>
                                                                            <description>
                            <![CDATA[ Taking charge of your money after a divorce will feel daunting, especially when you're faced with a lower income. The key is tackling your to-do list in stages. ]]>
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                                                                        <pubDate>Tue, 06 May 2025 17:26:43 +0000</pubDate>                                                                                                                                <updated>Wed, 07 May 2025 15:45:27 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Janet Bodnar ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/zLczRcEz5mQU73ovLW8Sn3-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Woman Looking Out The Window And Drinking Coffee]]></media:description>                                                            <media:text><![CDATA[Woman Looking Out The Window And Drinking Coffee]]></media:text>
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                                                            <title><![CDATA[ Bouncing Back: New Tunes for Millennials Trying to Make It ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/wealth-management-for-millennials</link>
                                                                            <description>
                            <![CDATA[ Adele's mournful melodies kick off this generation's financial playlist, but with the right plan, Millennials can finish strong. ]]>
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                                                                        <pubDate>Wed, 23 Apr 2025 09:35:20 +0000</pubDate>                                                                                                                                <updated>Fri, 16 May 2025 18:57:15 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Buying A Home]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Alvina Lo ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/zNZgRtrVkvKFSUF9heptsX-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A young man works on financial planning on the sofa in his living room.]]></media:description>                                                            <media:text><![CDATA[A young man works on financial planning on the sofa in his living room.]]></media:text>
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                                                            <title><![CDATA[ Here's When a Lack of Credit Card Debt Can Cause You Problems ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/lack-of-credit-card-debt-can-cause-you-problems</link>
                                                                            <description>
                            <![CDATA[ Usually, getting a new credit card can be difficult if you have too much card debt, but this bank customer ran into an issue because he had no debt at all. ]]>
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                                                                        <pubDate>Tue, 22 Apr 2025 09:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ H. Dennis Beaver, Esq. ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/5iGdyEyYt6ygpMtVRoCzsK-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A tired and frustrated-looking older man sits in front of his laptop at the dining room table.]]></media:description>                                                            <media:text><![CDATA[A tired and frustrated-looking older man sits in front of his laptop at the dining room table.]]></media:text>
                                <media:title type="plain"><![CDATA[A tired and frustrated-looking older man sits in front of his laptop at the dining room table.]]></media:title>
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                                                            <title><![CDATA[ Going to College? How to Navigate the Financial Planning ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/going-to-college-how-to-navigate-the-financial-planning</link>
                                                                            <description>
                            <![CDATA[ College decisions this year seem even more complex than usual, including determining whether a school is a 'financial fit.' Here's how to find your way. ]]>
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                                                                        <pubDate>Mon, 21 Apr 2025 09:40:00 +0000</pubDate>                                                                                                                                <updated>Mon, 21 Apr 2025 16:25:05 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[College]]></category>
                                                    <category><![CDATA[Careers]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ Christopher.Ebeling@citizensbank.com (Chris Ebeling) ]]></author>                    <dc:creator><![CDATA[ Chris Ebeling ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/RfiUzn2cTMr4s6gRwaddYB-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A mother helps her college-bound daughter on a laptop at the kitchen table.]]></media:description>                                                            <media:text><![CDATA[A mother helps her college-bound daughter on a laptop at the kitchen table.]]></media:text>
                                <media:title type="plain"><![CDATA[A mother helps her college-bound daughter on a laptop at the kitchen table.]]></media:title>
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                                                            <title><![CDATA[ Six Ways to Pay Off High-Interest Debt (and Still Save for the Future) ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/kiplinger-advisor-collective/pay-off-high-interest-debt-and-still-save-for-the-future</link>
                                                                            <description>
                            <![CDATA[ Get out of debt and reach your goals sooner by starting with a well-thought-out plan. ]]>
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                                                                        <pubDate>Fri, 18 Apr 2025 14:50:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Kiplinger Advisor Collective]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kiplinger Advisor Collective ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9Xz3Qe6ZgoTmR8rYXeDXFP-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A couple smile as they look down at the cash they&#039;re holding.]]></media:description>                                                            <media:text><![CDATA[A couple smile as they look down at the cash they&#039;re holding.]]></media:text>
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                                                            <title><![CDATA[ How Inflation Affects Your Finances and How to Stay Ahead ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/how-inflation-affects-your-finances-and-how-to-stay-ahead</link>
                                                                            <description>
                            <![CDATA[ The cost of goods and services is certain to rise over time, making it essential to have a financial plan that will help you keep pace. ]]>
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                                                                        <pubDate>Wed, 09 Apr 2025 09:35:00 +0000</pubDate>                                                                                                                                <updated>Fri, 18 Jul 2025 13:00:17 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Personal Loans]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ kyle@wealthpointadvisorsnc.com (Kyle D. Sikes) ]]></author>                    <dc:creator><![CDATA[ Kyle D. Sikes ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/PYTdDLnBzggUuXgB5yPjMo-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A hammer sits next to a shattered piggy bank filled with coins.]]></media:description>                                                            <media:text><![CDATA[A hammer sits next to a shattered piggy bank filled with coins.]]></media:text>
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