In this episode of Real World Retirement, we’re tackling one of the most common and misunderstood obstacles to financial freedom—debt. Host Alex Pushman is joined by Adam Spears, a top financial advisor with a unique background in real estate and financial planning. Adam shares his personal story of growing up with two parents who had starkly different approaches to money and how those experiences shaped his passion for helping others prepare for retirement.The episode dives deep into the "game" of managing debt, including common questions like whether to pay off a mortgage, how to prioritize high-interest loans, and why understanding "good debt" versus "bad debt" is critical for retirement planning. Through real-life examples, Adam demonstrates how a tailored strategy can help individuals and families eliminate financial burdens while creating space to save for the future.From analyzing household debt trends to exploring practical solutions like debt prioritization and leveraging home equity, Adam explains how financial planning can empower people to overcome retirement hurdles. Whether you're carrying a mortgage, student loans, or credit card debt, this episode breaks it down into actionable steps that anyone can follow to achieve a financially secure retirement.Key Takeaways:Why debt planning is just as crucial as saving for retirement.The difference between productive debt and financial inhibitors.Real-world strategies to transition from debt repayment to retirement saving.Tune in to learn how to take control of your finances and set a solid foundation for your retirement dreams!

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