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                    <title><![CDATA[ Latest from Kiplinger in Debt ]]></title>
                <link>https://www.kiplinger.com/personal-finance/credit-debt/debt</link>
        <description><![CDATA[ All the latest debt content from the Kiplinger team ]]></description>
                                    <lastBuildDate>Wed, 08 Apr 2026 09:45:00 +0000</lastBuildDate>
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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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                                                            <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[ 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[ 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[ 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[ 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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                                                            <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[ 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>
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                                                                                                                    <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[ 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">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <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[ '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[ 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[ 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>
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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 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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                                                            <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[ 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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                                                            <title><![CDATA[ Seven Questions to Ask When Evaluating Personal Loan Options ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/personal-loan-options-questions-to-ask</link>
                                                                            <description>
                            <![CDATA[ Taking out a personal loan too hastily could lock you into unfavorable terms with an untrustworthy lender. Ask these questions before signing anything. ]]>
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                                                                        <pubDate>Mon, 31 Mar 2025 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Personal Loans]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ David Kimball ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/WmqeG4Jdsa55oJLj7KZLhP-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Top of a personal loan application.]]></media:description>                                                            <media:text><![CDATA[Top of a personal loan application.]]></media:text>
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                                                            <title><![CDATA[ Financial Pitfalls to Avoid in Your 30s, 40s and 50s ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/financial-pitfalls-to-avoid-in-your-30s-40s-and-50s</link>
                                                                            <description>
                            <![CDATA[ As you pass through each decade of working life and build wealth for retirement, watch out for the financial traps that can hinder your progress. ]]>
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                                                                        <pubDate>Sun, 09 Mar 2025 09:30:00 +0000</pubDate>                                                                                                                                <updated>Mon, 10 Mar 2025 18:05:40 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Long-term Care]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                <author><![CDATA[ jpham@halberthargrove.com (Julia Pham, CFP®, AIF®, CDFA®) ]]></author>                    <dc:creator><![CDATA[ Julia Pham, CFP®, AIF®, CDFA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/jBr9GtE8FswN73uvVyZsa6-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A man stands at a gap between two cliffs.]]></media:description>                                                            <media:text><![CDATA[A man stands at a gap between two cliffs.]]></media:text>
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                                                            <title><![CDATA[ Three Ways to Get Your Finances in Better Shape ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/ways-to-get-your-finances-in-better-shape</link>
                                                                            <description>
                            <![CDATA[ Want fitter finances this year and beyond? Start by making full use of all your workplace benefits — from 401(k)s to budgeting apps and wellness programs. ]]>
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                                                                        <pubDate>Thu, 20 Feb 2025 10:30:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Craig Rubino ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/3rY2hRviRHyFsDr5CBL5WJ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A piggy bank sits on a half-rolled yoga mat next to a pair of dumbbells. ]]></media:description>                                                            <media:text><![CDATA[A piggy bank sits on a half-rolled yoga mat next to a pair of dumbbells. ]]></media:text>
                                <media:title type="plain"><![CDATA[A piggy bank sits on a half-rolled yoga mat next to a pair of dumbbells. ]]></media:title>
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                                                            <title><![CDATA[ Three Common Cash Flow Mistakes and How to Fix Them ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/common-cash-flow-mistakes-and-how-to-fix-them</link>
                                                                            <description>
                            <![CDATA[ Better cash flow management could have a bigger impact on your retirement savings than simply making more money. Here's how to manage that. ]]>
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                                                                        <pubDate>Sat, 15 Feb 2025 10:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                <author><![CDATA[ plan@kedrec.com (Mike Decker, NSSA®) ]]></author>                    <dc:creator><![CDATA[ Mike Decker, NSSA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/SB7FwwRubsxP4ZRbVxRxj9-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman tracks spending in a spiral notebook. ]]></media:description>                                                            <media:text><![CDATA[A woman tracks spending in a spiral notebook. ]]></media:text>
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                                                            <title><![CDATA[ How to Use Good Debt (While Identifying and Avoiding Bad Debt) ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/how-to-use-good-debt-and-avoid-bad-debt</link>
                                                                            <description>
                            <![CDATA[ Not all debt is bad, but knowing the difference between good debt and bad debt and how to use them can help you get ahead financially and stay ahead. ]]>
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                                                                        <pubDate>Wed, 12 Feb 2025 10:30:00 +0000</pubDate>                                                                                                                                <updated>Thu, 13 Feb 2025 15:10:59 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[student debt]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                <author><![CDATA[ plan@kedrec.com (Mike Decker, NSSA®) ]]></author>                    <dc:creator><![CDATA[ Mike Decker, NSSA® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/nJEuvvK9XCr9Bwujc5W3XX-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A thumbs-up and a thumbs-down against a sunset.]]></media:description>                                                            <media:text><![CDATA[A thumbs-up and a thumbs-down against a sunset.]]></media:text>
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                                                            <title><![CDATA[ Extra Cash? Should You Pay Off Debt or Invest? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/extra-cash-pay-off-debt-or-invest</link>
                                                                            <description>
                            <![CDATA[ Depending on your financial situation, you might benefit from paying off debt, investing or both. Here are some things to consider before deciding. ]]>
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                                                                        <pubDate>Sat, 08 Feb 2025 10:40:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Anthony Martin ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/rFqmevVoPoKHWVQ9MnKAm9-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An envelope with hundred-dollar bills sticking out of it.]]></media:description>                                                            <media:text><![CDATA[An envelope with hundred-dollar bills sticking out of it.]]></media:text>
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                                                            <title><![CDATA[ Student Loan Forgiveness 2025: Will You Owe Taxes?  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/taxes/will-you-owe-taxes-on-your-forgiven-student-loan</link>
                                                                            <description>
                            <![CDATA[ If you received student debt forgiveness, know these key points when filing taxes. Plus — what can you expect from recent student loan news? ]]>
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                                                                        <pubDate>Sat, 18 Jan 2025 15:17:00 +0000</pubDate>                                                                                                                                <updated>Thu, 31 Jul 2025 15:24:04 +0000</updated>
                                                                                                                                            <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Tax Filing]]></category>
                                                    <category><![CDATA[student debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kate Schubel ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/7G9wrPrvUyCDRgBQc3u7cH-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[&quot;Federal Student Loan&quot; written on notepad with illustration of graduation cap and coins surrounded by yellow desk accessories against a green background]]></media:description>                                                            <media:text><![CDATA[&quot;Federal Student Loan&quot; written on notepad with illustration of graduation cap and coins surrounded by yellow desk accessories against a green background]]></media:text>
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                                                            <title><![CDATA[ Seven Ways Retirees Can Crush Holiday Debt in the New Year ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/seven-ways-retirees-can-crush-holiday-debt-in-the-new-year</link>
                                                                            <description>
                            <![CDATA[ Here's how to get rid of that holiday debt you racked up. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Tue, 07 Jan 2025 18:22:07 +0000</pubDate>                                                                                                                                <updated>Tue, 14 Jan 2025 17:14:14 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></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/xJwyaf7wFjwBbP6u8HXzy6-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A senior couple pays the bills.]]></media:description>                                                            <media:text><![CDATA[A senior couple pays the bills.]]></media:text>
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                                                            <title><![CDATA[ Four Perfect and Powerful Financial New Year's Resolutions ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/2025-financial-new-years-resolutions</link>
                                                                            <description>
                            <![CDATA[ While you're vowing to get in shape, eat better and practice a better work-life balance in the New Year, don't forget to consider your finances. ]]>
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                                                                        <pubDate>Sun, 29 Dec 2024 10:35:10 +0000</pubDate>                                                                                                                                <updated>Thu, 18 Sep 2025 16:53:09 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                                                                <author><![CDATA[ tony.drake@drakeandassociates.net (Tony Drake, CFP®, Investment Advisor Representative) ]]></author>                    <dc:creator><![CDATA[ Tony Drake, CFP®, Investment Advisor Representative ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/8SsxJTXYpbyi5q5639zQYf-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A piggy bank stands in for the zero in 2025.]]></media:description>                                                            <media:text><![CDATA[A piggy bank stands in for the zero in 2025.]]></media:text>
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                                                            <title><![CDATA[ Are Credit Cards an Alternative Source of Income? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/kiplinger-advisor-collective/are-credit-cards-an-alternative-source-of-income</link>
                                                                            <description>
                            <![CDATA[ Thinking that having credit available means you have another source of income is misguided. ]]>
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                                                                        <pubDate>Thu, 07 Nov 2024 16:21:32 +0000</pubDate>                                                                                                                                <updated>Mon, 31 Mar 2025 15:38:13 +0000</updated>
                                                                                                                                            <category><![CDATA[Kiplinger Advisor Collective]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Deborah W. Ellis ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/7Pjyq4zcETfGhZ7NyfMkcb-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A man holds a credit card in one hand while he looks at a tablet in the other.]]></media:description>                                                            <media:text><![CDATA[A man holds a credit card in one hand while he looks at a tablet in the other.]]></media:text>
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                                                            <title><![CDATA[ Financial Hangover Got You Down? Rebalance Your Budget ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/financial-hangover-got-you-down-rebalance-your-budget</link>
                                                                            <description>
                            <![CDATA[ After overindulging on vacations or other fun, here's how to review your budget and set new goals, without sacrificing the experiences that matter most. ]]>
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                                                                        <pubDate>Sat, 02 Nov 2024 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[ Frank J. Legan ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/NYfL5ErkQQvUb2vGxUgjbT-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A tired-looking woman holds a coffee cup and looks at her laptop in her kitchen.]]></media:description>                                                            <media:text><![CDATA[A tired-looking woman holds a coffee cup and looks at her laptop in her kitchen.]]></media:text>
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                                                            <title><![CDATA[ Even Political Rivals Agree That Medical Debt Is an Urgent Issue ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/even-political-rivals-agree-that-medical-debt-is-an-urgent-issue</link>
                                                                            <description>
                            <![CDATA[ About 100 million people in the U.S. are burdened by health care debt. Democrats and Republicans in statehouses around the country have been quietly working together to tackle the crisis. ]]>
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                                                                        <pubDate>Fri, 18 Oct 2024 10:00:52 +0000</pubDate>                                                                                                                                <updated>Fri, 18 Oct 2024 13:13:08 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                                                                <author><![CDATA[ nlevey@kff.org (Noam N. Levey | KFF Health News) ]]></author>                    <dc:creator><![CDATA[ Noam N. Levey | KFF Health News ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/SSVvwWfb5BQC9jQX2TkNLC-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Democrats vs republicans are facing off in a ideological duel on the american flag. In American politics US parties are represented by either the democrat donkey or republican elephant]]></media:description>                                                            <media:text><![CDATA[Democrats vs republicans are facing off in a ideological duel on the american flag. In American politics US parties are represented by either the democrat donkey or republican elephant]]></media:text>
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                                                            <title><![CDATA[ How to Rank Your Financial Priorities ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/how-to-rank-your-financial-priorities</link>
                                                                            <description>
                            <![CDATA[ Circumstances are different for everyone, but this adviser with 20-plus years of experience shares some insights on getting your financial priorities in order. ]]>
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                                                                        <pubDate>Mon, 14 Oct 2024 09:30:48 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Charity]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                <author><![CDATA[ andrew@diversifiedllc.com (Andrew Rosen, CFP®, CEP) ]]></author>                    <dc:creator><![CDATA[ Andrew Rosen, CFP®, CEP ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/v7MmzgohGLwY7Aub9FpFhd-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A piggy bank with a bull&#039;s-eye and arrows sticking out of it.]]></media:description>                                                            <media:text><![CDATA[A piggy bank with a bull&#039;s-eye and arrows sticking out of it.]]></media:text>
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                                                            <title><![CDATA[ Six Reasons to Have Life Insurance ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/reasons-to-have-life-insurance</link>
                                                                            <description>
                            <![CDATA[ The peace of mind from knowing your family is financially protected if something happens to you is invaluable, but there are other compelling reasons, too. ]]>
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                                                                        <pubDate>Mon, 07 Oct 2024 09:30:54 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Estate Planning]]></category>
                                                    <category><![CDATA[Life Insurance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></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/wUVjrwGH8ARmAcyoU5JTxA-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A daughter and her father look at a map while hiking on a mountain.]]></media:description>                                                            <media:text><![CDATA[A daughter and her father look at a map while hiking on a mountain.]]></media:text>
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                                                            <title><![CDATA[ What the Election Could Mean for Student Loan Forgiveness: Harris vs Trump ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/election-student-loans-harris-vs-trump</link>
                                                                            <description>
                            <![CDATA[ As the presidential election heats up, here’s a closer look at each candidate’s plans to address student loans. ]]>
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                                                                        <pubDate>Wed, 11 Sep 2024 10:00:00 +0000</pubDate>                                                                                                                                <updated>Fri, 04 Oct 2024 20:15:27 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[student debt]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                <author><![CDATA[ erin.bendig@futurenet.com (Erin Bendig) ]]></author>                    <dc:creator><![CDATA[ Erin Bendig ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/xmi4vHNhUycWyMWEtqQnM3-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[ Democratic presidential candidate Vice President Kamala Harris speaks to union workers during a campaign event on September 02, 2024.]]></media:description>                                                            <media:text><![CDATA[ Democratic presidential candidate Vice President Kamala Harris speaks to union workers during a campaign event on September 02, 2024.]]></media:text>
                                <media:title type="plain"><![CDATA[ Democratic presidential candidate Vice President Kamala Harris speaks to union workers during a campaign event on September 02, 2024.]]></media:title>
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                                                            <title><![CDATA[ Recent Graduate? Financial Fitness Starts Here ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/recent-graduate-financial-fitness-starts-here</link>
                                                                            <description>
                            <![CDATA[ Once you've landed a job, it's time to optimize your starting salary with a focus on creating a budget, paying off student debt and saving for retirement. ]]>
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                                                                        <pubDate>Fri, 06 Sep 2024 09:40:35 +0000</pubDate>                                                                                                                                <updated>Mon, 09 Sep 2024 13:37:20 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[College]]></category>
                                                    <category><![CDATA[student debt]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Careers]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Vanessa Okwuraiwe ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/wQPmB9HtmpASLQ4N8FN4jX-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Young adults smile as they attend an outside exercise class.]]></media:description>                                                            <media:text><![CDATA[Young adults smile as they attend an outside exercise class.]]></media:text>
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                                                            <title><![CDATA[ Direct Tuition Payments: A Tax-Efficient Way to Pay for School ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/direct-tuition-payments-a-tax-efficient-way-to-pay-for-school</link>
                                                                            <description>
                            <![CDATA[ If you pay tuition for someone else directly to a college, graduate school, preschool or private school, that money is not subject to the gift tax. ]]>
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                                                                        <pubDate>Thu, 29 Aug 2024 09:30:32 +0000</pubDate>                                                                                                                                <updated>Tue, 11 Feb 2025 19:43:58 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[continuing education]]></category>
                                                    <category><![CDATA[student debt]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Denise McClain, JD, CPA ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/88KaNrSwwaTr2ixqZeuUzn-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman writes out a check, only her hands and the checkbook showing.]]></media:description>                                                            <media:text><![CDATA[A woman writes out a check, only her hands and the checkbook showing.]]></media:text>
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                                                            <title><![CDATA[ Nine Ways to Make Paying Off Debt Less Intimidating ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/kiplinger-advisor-collective/how-to-make-paying-off-debt-less-intimidating</link>
                                                                            <description>
                            <![CDATA[ With a bit of knowledge and a plan, you can find your way to financial freedom. ]]>
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                                                                        <pubDate>Thu, 22 Aug 2024 12:00:45 +0000</pubDate>                                                                                                                                <updated>Thu, 27 Mar 2025 21:37:21 +0000</updated>
                                                                                                                                            <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/L8Q5WMkQKNJBQA7xuRKKkN-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A man stands on a very high mountaintop at twilight.]]></media:description>                                                            <media:text><![CDATA[A man stands on a very high mountaintop at twilight.]]></media:text>
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                                                            <title><![CDATA[ Top Five Benefits of Peer-to-Peer Lending ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/top-benefits-of-peer-to-peer-lending</link>
                                                                            <description>
                            <![CDATA[ Flexibility of terms and fast application processing are just two of the perks of P2P lending over traditional lending. ]]>
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                                                                        <pubDate>Mon, 12 Aug 2024 09:30:34 +0000</pubDate>                                                                                                                                <updated>Tue, 13 Aug 2024 13:36:43 +0000</updated>
                                                                                                                                            <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[ David Kimball ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/mu8Hst7f8fXYPSTEfAcW5f-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[The word loan is written across four wooden blocks sitting on stacks of coins that get taller.]]></media:description>                                                            <media:text><![CDATA[The word loan is written across four wooden blocks sitting on stacks of coins that get taller.]]></media:text>
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                                                            <title><![CDATA[ 529 Plans: What Are the Differences Between the Two Types? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/types-of-529-plans-what-are-the-differences</link>
                                                                            <description>
                            <![CDATA[ Carrying a lot of student debt can be daunting. Luckily, 529 plans are designed to help head off that debt. Here are the main types of 529s and how they work. ]]>
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                                                                        <pubDate>Tue, 30 Jul 2024 09:30:14 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[College]]></category>
                                                    <category><![CDATA[student debt]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Careers]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ justin@stiverswealth.com (Justin Stivers, Esq.) ]]></author>                    <dc:creator><![CDATA[ Justin Stivers, Esq. ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/TjGjzreyVJ97iv28kKp8SF-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A green apple and a red apple side by side.]]></media:description>                                                            <media:text><![CDATA[A green apple and a red apple side by side.]]></media:text>
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                                                            <title><![CDATA[ How Much Does It Costs to Refinance a Mortgage and Other Questions to Consider ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/mortgages/how-refinancing-a-home-loan-works</link>
                                                                            <description>
                            <![CDATA[ Refinancing a mortgage works by replacing your current mortgage with a new one. It can save you money or let you tap the equity in your home, but it can take time to break even after upfront costs. ]]>
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                                                                        <pubDate>Mon, 29 Jul 2024 18:02:27 +0000</pubDate>                                                                                                                                <updated>Wed, 07 May 2025 18:45:21 +0000</updated>
                                                                                                                                            <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>
                                                                                                <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/SDKQb5zX3JcW24DmaTyr6Y-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Photo of a calculator, a set of keys and a model house on top of financial papers]]></media:description>                                                            <media:text><![CDATA[Photo of a calculator, a set of keys and a model house on top of financial papers]]></media:text>
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                                                            <title><![CDATA[ Five Top Causes of Business Bankruptcy and How to Avoid Them ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/kiplinger-advisor-collective/top-causes-of-business-bankruptcy-and-how-to-avoid-them</link>
                                                                            <description>
                            <![CDATA[ Drawing from experience, this article explores the five biggest reasons companies go bankrupt and provides insights into the lessons learned from these case studies. ]]>
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                                                                        <pubDate>Tue, 09 Jul 2024 12:15:10 +0000</pubDate>                                                                                                                                <updated>Thu, 27 Mar 2025 17:18:38 +0000</updated>
                                                                                                                                            <category><![CDATA[Kiplinger Advisor Collective]]></category>
                                                    <category><![CDATA[Business]]></category>
                                                    <category><![CDATA[Small Business]]></category>
                                                    <category><![CDATA[bankruptcy]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Stephen Nalley ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/4mphRsvzLxbqtuzP9kpE5j-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A business owner looks thoughtful while sitting at a table and using a laptop.]]></media:description>                                                            <media:text><![CDATA[A business owner looks thoughtful while sitting at a table and using a laptop.]]></media:text>
                                <media:title type="plain"><![CDATA[A business owner looks thoughtful while sitting at a table and using a laptop.]]></media:title>
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                                                            <title><![CDATA[ Eight Tips for Managing Fluctuating Income ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/tips-for-managing-fluctuating-income</link>
                                                                            <description>
                            <![CDATA[ Your income might not be regular, but your saving, budgeting and financial planning can be. Business experts offer ideas to manage issues associated with fluctuating income. ]]>
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                                                                        <pubDate>Wed, 03 Jul 2024 09:40:36 +0000</pubDate>                                                                                                                                <updated>Mon, 15 Jul 2024 15:08:51 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Anthony Martin ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/TaSFRjq8pFYd5YpVHYjBwZ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Colorful wavy lines on a white background.]]></media:description>                                                            <media:text><![CDATA[Colorful wavy lines on a white background.]]></media:text>
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                                                            <title><![CDATA[ 10 Things You Should Know About Reverse Mortgages ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/real-estate/reverse-mortgages/things-you-should-know-about-reverse-mortgages</link>
                                                                            <description>
                            <![CDATA[ A look at what to know about reverse mortgages, and why caution around them is warranted. ]]>
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                                                                        <pubDate>Mon, 24 Jun 2024 12:40:49 +0000</pubDate>                                                                                                                                <updated>Thu, 18 Jul 2024 03:06:00 +0000</updated>
                                                                                                                                            <category><![CDATA[Reverse Mortgages]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                                                                <author><![CDATA[ kiplinger@futurenet.com (David Rodeck) ]]></author>                    <dc:creator><![CDATA[ David Rodeck ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/SthJFroS8km5ubcAtBxJpW-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A bag of money next to a toy house with a pile of coins in front of it, representing a mortgage. ]]></media:description>                                                            <media:text><![CDATA[A bag of money next to a toy house with a pile of coins in front of it, representing a mortgage. ]]></media:text>
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                                                            <title><![CDATA[ Are You a Money Dummy? Here’s How to Fix That ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/are-you-a-money-dummy-how-to-fix-that</link>
                                                                            <description>
                            <![CDATA[ Lots of us didn’t learn about finances in school (or at home). No worries. To get ahead, you just need to dive right in and get started. ]]>
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                                                                        <pubDate>Sat, 08 Jun 2024 09:40:35 +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[ mindy@oglesbywealthstrategies.com (Mindy J. Oglesby, CFP®, NSSA®, IRMAACP) ]]></author>                    <dc:creator><![CDATA[ Mindy J. Oglesby, CFP®, NSSA®, IRMAACP ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/5Di7tLrZqD5dBwDCoCKcbf-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A man scratches his head, looking unsure.]]></media:description>                                                            <media:text><![CDATA[A man scratches his head, looking unsure.]]></media:text>
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