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                    <title><![CDATA[ Latest from Kiplinger in Debt-management ]]></title>
                <link>https://www.kiplinger.com/personal-finance/credit-debt/debt/debt-management</link>
        <description><![CDATA[ All the latest debt-management content from the Kiplinger team ]]></description>
                                    <lastBuildDate>Tue, 17 Mar 2026 09:40:00 +0000</lastBuildDate>
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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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                                                            <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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                                                            <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[ 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>
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                                                    <category><![CDATA[Wealth Management]]></category>
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                                                    <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/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[ 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>
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                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Anthony Martin ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/XPy4pcfijJRM6UP6web32W-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A young couple look at their phones while financial planning at their dining room table.]]></media:description>                                                            <media:text><![CDATA[A young couple look at their phones while financial planning at their dining room table.]]></media:text>
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                                                            <title><![CDATA[ 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>
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                                                                                                <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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                                                            <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>
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                                                                                                                    <dc:creator><![CDATA[ Jared Elson, Investment Adviser ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Vujn8VT6aNQspGUTZ4h73Z-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman&#039;s hands hold a phone that has the words &quot;buy now, pay later&quot; on the screen.]]></media:description>                                                            <media:text><![CDATA[A woman&#039;s hands hold a phone that has the words &quot;buy now, pay later&quot; on the screen.]]></media:text>
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                                                            <title><![CDATA[ '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>
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                                                    <category><![CDATA[Credit &amp; Debt]]></category>
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                                                    <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>
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                                                                                                                    <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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                                                            <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>
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                                                    <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[ 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[ 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[ 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>
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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[ 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[ 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[ 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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                                                            <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[ 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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                                                            <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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                                                            <title><![CDATA[ Is Your Money 'Lazy'? Here’s How to Put It to Work ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/lazy-money-how-to-put-it-to-work</link>
                                                                            <description>
                            <![CDATA[ A fat savings account may feel good, but letting your money just sit there could cost you more than you realize. ]]>
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                                                                        <pubDate>Thu, 16 May 2024 09:45:58 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                                                                <author><![CDATA[ info@beckettfinancialgroup.com (Jason “JB” Beckett) ]]></author>                    <dc:creator><![CDATA[ Jason “JB” Beckett ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/JcT9VJMmEADLdzkj7SrPM8-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A piggy bank wearing sunglasses sits on the beach.]]></media:description>                                                            <media:text><![CDATA[A piggy bank wearing sunglasses sits on the beach.]]></media:text>
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                                                            <title><![CDATA[ How Your Financial Institution Can Help You Dig Out of Debt ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/get-out-of-debt-how-your-financial-institution-can-help</link>
                                                                            <description>
                            <![CDATA[ High interest rates and inflation have helped add to Americans’ credit card debt. Your bank or credit union might be able to help you dig out. ]]>
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                                                                        <pubDate>Wed, 10 Apr 2024 09:30:32 +0000</pubDate>                                                                                                                                <updated>Wed, 10 Apr 2024 14:10:19 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kevin Brauer, MBA, CPA, CMA ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/QqG8ZAfwsEJdeuYDvq3wwe-1280-80.jpg">
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                                                            <title><![CDATA[ Six Tasks That Can Help You Feel Better About Your Money ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/how-to-feel-better-about-your-money</link>
                                                                            <description>
                            <![CDATA[ Even small and gradual changes can have a big impact on your financial situation and how you feel about it. ]]>
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                                                                        <pubDate>Tue, 02 Apr 2024 09:40:17 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ David Kimball ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/CwboeEagdK7KfqHSYK9YJL-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A couple sit next to each other on the sofa and discuss paperwork while looking at a laptop.]]></media:description>                                                            <media:text><![CDATA[A couple sit next to each other on the sofa and discuss paperwork while looking at a laptop.]]></media:text>
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                                                            <title><![CDATA[ Is It Worth Chasing Credit Card Rewards If You're In Debt? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-cards/is-it-worth-chasing-credit-card-rewards-if-youre-in-debt</link>
                                                                            <description>
                            <![CDATA[ Two out of three Americans in debt are chasing credit card rewards. Do your brain a favor and try this instead. ]]>
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                                                                        <pubDate>Wed, 13 Mar 2024 17:54:48 +0000</pubDate>                                                                                                                                <updated>Wed, 13 Mar 2024 17:57:13 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                <author><![CDATA[ ellen.kennedy@futurenet.com (Ellen B. Kennedy) ]]></author>                    <dc:creator><![CDATA[ Ellen B. Kennedy ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/RFgf5yx2FtrMFH2iiWSPHj-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A man in a suit chases a carrot that is connected to his back.]]></media:description>                                                            <media:text><![CDATA[A man in a suit chases a carrot that is connected to his back.]]></media:text>
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                                                            <title><![CDATA[ SECURE 2.0 Act Now Helps Lighten the Burden of Student Loans ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/student-loans-secure-2-act-helps-lighten-burden</link>
                                                                            <description>
                            <![CDATA[ Employers can attract talented employees with a new benefit: a matching contribution to an employee's 401(k) when they make payments on their student debt. ]]>
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                                                                        <pubDate>Mon, 11 Mar 2024 09:30:27 +0000</pubDate>                                                                                                                                <updated>Tue, 12 Mar 2024 13:25:22 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Mary K. Moreland ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/WDWrLB283WAJBfZd9NG4DQ-1280-80.jpg">
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                                                            <title><![CDATA[ Workplace Financial Coaching Has Become Ever More Important ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/workplace-financial-coaching-has-become-ever-more-important</link>
                                                                            <description>
                            <![CDATA[ Employees face growing challenges to their financial wellness today, so it’s more critical than ever that employers provide the help they need to navigate them. ]]>
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                                                                        <pubDate>Wed, 21 Feb 2024 10:30:38 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                <author><![CDATA[ greg.ward@financialfinesse.com (Greg Ward, CFP®) ]]></author>                    <dc:creator><![CDATA[ Greg Ward, CFP® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/8Hxv23ySGZV3huKwgyPxeB-1280-80.jpg">
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                                                            <title><![CDATA[ How to Get on the Same Financial Page as a Couple ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/how-a-couple-can-get-on-the-same-financial-page</link>
                                                                            <description>
                            <![CDATA[ Starting with knowing where your significant other is coming from and why can help you address your money differences as a couple. ]]>
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                                                                        <pubDate>Mon, 12 Feb 2024 10:30:25 +0000</pubDate>                                                                                                                                                                                                                                <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[ kgallimore@meritfa.com (Kelly Gallimore, ChFC®, CES®) ]]></author>                    <dc:creator><![CDATA[ Kelly Gallimore, ChFC®, CES® ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ByMG7sueBuH6MSoWkiTvXm-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A young couple sit on the floor in front of their sofa and look at a laptop together.]]></media:description>                                                            <media:text><![CDATA[A young couple sit on the floor in front of their sofa and look at a laptop together.]]></media:text>
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                                                            <title><![CDATA[ Need Help Digging Out of Debt? What You Can Do ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/debt-tips-for-getting-out-of-it</link>
                                                                            <description>
                            <![CDATA[ Beware of ‘debt relief’ services that sound too good to be true. There are other alternatives for helping you get a handle on your debt. ]]>
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                                                                        <pubDate>Fri, 19 Jan 2024 10:30:05 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></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/hnUfWUkMCXRpLkPUETZKMo-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A couple go over their debt together while sitting at their table and looking at a laptop.]]></media:description>                                                            <media:text><![CDATA[A couple go over their debt together while sitting at their table and looking at a laptop.]]></media:text>
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                                                            <title><![CDATA[ Five Financial To-Dos to Help You Stay on Track in 2024 ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/financial-tasks-to-help-you-stay-on-track</link>
                                                                            <description>
                            <![CDATA[ These financial planning steps can help ensure your financial wellness for the rest of the year, so take some time to look at your goals, debt, taxes and more. ]]>
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                                                                        <pubDate>Thu, 11 Jan 2024 10:30:30 +0000</pubDate>                                                                                                                                <updated>Wed, 18 Dec 2024 20:53:23 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Taxes]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Stephen B. Dunbar III, JD, CLU ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/QUb8MoSbKKdYeDaamWvtxW-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A winding road in with very tall trees on one side and a rocky hill on the other.]]></media:description>                                                            <media:text><![CDATA[A winding road in with very tall trees on one side and a rocky hill on the other.]]></media:text>
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                                                            <title><![CDATA[ To Achieve Financial Stability, Start With Small Steps ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/financial-stability-start-with-small-steps</link>
                                                                            <description>
                            <![CDATA[ Setting specific and manageable goals — and celebrating your successes — can make your financial journey much less daunting. ]]>
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                                                                        <pubDate>Fri, 05 Jan 2024 10:30:20 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kevin Brauer, MBA, CPA, CMA ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/okmaQxAmVr45nidtwdRMFo-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A toddler takes her first steps while outside on the lawn with her mother right behind her.]]></media:description>                                                            <media:text><![CDATA[A toddler takes her first steps while outside on the lawn with her mother right behind her.]]></media:text>
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                                                            <title><![CDATA[ Five Ways You Can Assess, Manage and Pay Off Debt ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/ways-to-manage-and-pay-off-debt</link>
                                                                            <description>
                            <![CDATA[ Average personal debt is lower now than it was in 2019, but many Americans still struggle with debt. Here are some ways to both pay it down and grow your wealth. ]]>
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                                                                        <pubDate>Sat, 02 Sep 2023 09:30:05 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Interest Rates]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                                                                                    <dc:creator><![CDATA[ Christian Mitchell ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/RS6hPNPVftPVsYigQDoTVL-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A man uses a calculator while holding paperwork and sitting in front of a laptop.]]></media:description>                                                            <media:text><![CDATA[A man uses a calculator while holding paperwork and sitting in front of a laptop.]]></media:text>
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                                                            <title><![CDATA[ Are You Overlooking Your Financial Institution’s Resources? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/financial-institution-resources-offer-help</link>
                                                                            <description>
                            <![CDATA[ Reaching your financial goals could be easier if you maximized the educational offerings as well as credit and debt counseling available through financial institutions. ]]>
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                                                                        <pubDate>Sat, 26 Aug 2023 09:30:26 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[credit union]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Buying A Home]]></category>
                                                    <category><![CDATA[Savings Accounts]]></category>
                                                    <category><![CDATA[High Yield Savings Accounts]]></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[Real Estate]]></category>
                                                    <category><![CDATA[Savings]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kevin Brauer, MBA, CPA, CMA ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/uTMQUKhenEeshY5VYdLDPo-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Customers work with representatives at a financial institution.]]></media:description>                                                            <media:text><![CDATA[Customers work with representatives at a financial institution.]]></media:text>
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                                                            <title><![CDATA[ Credit Card Debt Hits Record $1 Trillion ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-cards/credit-card-debt-hits-record-trillion</link>
                                                                            <description>
                            <![CDATA[ Americans' credit card debt is over $1 trillion, the New York Fed reported. ]]>
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                                                                        <pubDate>Tue, 08 Aug 2023 21:10:47 +0000</pubDate>                                                                                                                                <updated>Mon, 14 Aug 2023 18:08:52 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                <author><![CDATA[ alexandra.svokos@futurenet.com (Alexandra Svokos) ]]></author>                    <dc:creator><![CDATA[ Alexandra Svokos ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/yZhLYHCDqbVv26ZzQHhbsM-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A stack of credit cards sitting on financial papers. ]]></media:description>                                                            <media:text><![CDATA[A stack of credit cards sitting on financial papers. ]]></media:text>
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                                                            <title><![CDATA[ A Guide to Debt: Good vs. Bad and Tips to Better Manage It ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/kiplinger-advisor-collective/good-debt-vs-bad-and-tips-to-manage-it</link>
                                                                            <description>
                            <![CDATA[ Debt might help or hurt your long-term finances, so be mindful of its use. ]]>
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                                                                        <pubDate>Tue, 30 May 2023 14:00:53 +0000</pubDate>                                                                                                                                <updated>Tue, 25 Mar 2025 21:43:24 +0000</updated>
                                                                                                                                            <category><![CDATA[Kiplinger Advisor Collective]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Chad Rixse ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/X7amxncrNiWXxpJzchbU8U-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[couple reviewing their finances]]></media:description>                                                            <media:text><![CDATA[couple reviewing their finances]]></media:text>
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                                                            <title><![CDATA[ Three Tips for Personal Debt Management ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/personal-debt-management-tips</link>
                                                                            <description>
                            <![CDATA[ It takes both short- and long-term planning to stay on top of your finances. Adopt good debt management habits now, and you’ll be much happier in the long run. ]]>
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                                                                        <pubDate>Mon, 03 Apr 2023 09:40:12 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ vbirardi@halberthargrove.com (Vincent Birardi, CFP®, AIF®, MBA) ]]></author>                    <dc:creator><![CDATA[ Vincent Birardi, CFP®, AIF®, MBA ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/7fXHP67oRRo2wnJoTyAB7h-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An older woman looks over paperwork at the kitchen table with a pensive look on her face.]]></media:description>                                                            <media:text><![CDATA[An older woman looks over paperwork at the kitchen table with a pensive look on her face.]]></media:text>
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                                                            <title><![CDATA[ 4 Money Mistakes to Let Your Kids Make (for Their Own Good!) ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/4-money-mistakes-to-let-your-kids-make-for-their-own-good</link>
                                                                            <description>
                            <![CDATA[ When it comes to finances, don’t be a helicopter parent. Sometimes the best way to learn about money is to make a mistake. ]]>
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                                                                        <pubDate>Tue, 04 Oct 2022 08:30:53 +0000</pubDate>                                                                                                                                <updated>Tue, 04 Oct 2022 18:18:18 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ Eric Roberge, Certified Financial Planner (CFP) and Investment Adviser ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/uWGkXGZxy9p3JD4bCxS9oU-1280-80.jpg">
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                                                            <title><![CDATA[ Borrowers Over 50 With Student Loan Debt ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-debt/loans/student-loans/605222/borrowers-over-50-with-student-loan-debt</link>
                                                                            <description>
                            <![CDATA[ Millions of borrowers 50 and older are struggling to repay loans for themselves and their children, some delaying retirement. There’s a trick, though, to help with repayment. ]]>
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                                                                        <pubDate>Thu, 15 Sep 2022 17:07:25 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                <author><![CDATA[ elaine.silvestrini@futurenet.com (Elaine Silvestrini) ]]></author>                    <dc:creator><![CDATA[ Elaine Silvestrini ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/yS4aS7NcyEGtvwBA32ZE2K-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[two older adults looking at a computer screen and paperwork]]></media:description>                                                            <media:text><![CDATA[two older adults looking at a computer screen and paperwork]]></media:text>
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                                                            <title><![CDATA[ Are Debt Collectors Overcharging You? How to Protect Yourself ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-debt/debt/debt-management/605130/are-debt-collectors-overcharging-you-how</link>
                                                                            <description>
                            <![CDATA[ "Convenience fees” on debt repayments are likely illegal. ]]>
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                                                                        <pubDate>Thu, 25 Aug 2022 15:43:58 +0000</pubDate>                                                                                                                                <updated>Wed, 22 Feb 2023 12:52:57 +0000</updated>
                                                                                                                                            <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                <author><![CDATA[ elaine.silvestrini@futurenet.com (Elaine Silvestrini) ]]></author>                    <dc:creator><![CDATA[ Elaine Silvestrini ]]></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[ 32 Ways to Make Money in 2025 ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/business/602555/ways-to-earn-extra-cash</link>
                                                                            <description>
                            <![CDATA[ Check out these cool side hustles to earn bonus bucks this year. ]]>
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                                                                        <pubDate>Fri, 11 Feb 2022 16:00:07 +0000</pubDate>                                                                                                                                <updated>Fri, 07 Mar 2025 19:05:23 +0000</updated>
                                                                                                                                            <category><![CDATA[Business]]></category>
                                                    <category><![CDATA[Careers]]></category>
                                                    <category><![CDATA[Family Savings]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Bob Niedt ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/763677SyKRWuPYqWDrGAuY-1280-80.jpg">
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                                                                                                                                                                        <media:description><![CDATA[Getty Images]]></media:description>                                                            <media:text><![CDATA[Man holds a stack of $100 bills.]]></media:text>
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                                                            <title><![CDATA[ Am I Responsible for Paying Off My Deceased Husband’s Debt? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-debt/debt/debt-management/603830/am-i-responsible-for-paying-off-my</link>
                                                                            <description>
                            <![CDATA[ You may be off the hook as some debts — including even certain types of credit card charges — are forgiven at death. However, others linger much longer. ]]>
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                                                                        <pubDate>Sun, 28 Nov 2021 09:30:06 +0000</pubDate>                                                                                                                                <updated>Wed, 22 Feb 2023 11:34:09 +0000</updated>
                                                                                                                                            <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                <author><![CDATA[ marketing@francisfinancial.com (Stacy Francis, CFP®, CDFA®, CES™) ]]></author>                    <dc:creator><![CDATA[ Stacy Francis, CFP®, CDFA®, CES™ ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/67PmAY3qQHyqNiJjKVNqpi-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A notebook with a yellow Post-It Note bearing multiple question marks and a big exclamation point.]]></media:description>                                                            <media:text><![CDATA[A notebook with a yellow Post-It Note bearing multiple question marks and a big exclamation point.]]></media:text>
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                                <item>
                                                            <title><![CDATA[ Tackle Your Debt Before Retirement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-debt/debt/tackle-your-debt-before-retirement</link>
                                                                            <description>
                            <![CDATA[ You should aim to leave the workforce with as little debt as possible. Otherwise, money that could be spent enjoying your golden years could end up going to repaying loans. ]]>
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                                                                        <pubDate>Wed, 11 Aug 2021 13:23:19 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Jackie Stewart ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/yAFWp6xzEr8souDsHwXcHG-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A man is on a telephone while looking stressed]]></media:description>                                                            <media:text><![CDATA[A man is on a telephone while looking stressed]]></media:text>
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                                                            <title><![CDATA[ Know Your Rights in Debt Collection  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-debt/debt/debt-management/603152/how-to-manage-debt-you-dont-owe</link>
                                                                            <description>
                            <![CDATA[ A wave of post-pandemic debt collection is coming. Here's how to dispute a debt and protect your assets. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Fri, 23 Jul 2021 09:07:11 +0000</pubDate>                                                                                                                                <updated>Fri, 23 Jul 2021 13:05:00 +0000</updated>
                                                                                                                                            <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                                                                                    <dc:creator><![CDATA[ Katherine Reynolds Lewis ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/LADEAgHaQwv7cBvpFVu9QA-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A couple looks at a computer while seeming stressed.]]></media:description>                                                            <media:text><![CDATA[A couple looks at a computer while seeming stressed.]]></media:text>
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