Good Debt, Bad Debt – The Framework for Optimal Retirement Finances

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Is all debt bad? Should you be completely debt-free before retirement? In this episode of Retire Right, Ryan, Ron and Nick discuss the critical topic of debt management and how it fits into a retirement plan. They dig into real-life examples—credit cards, mortgages, second homes, even RVs, and explain why some debt can actually work for you while other types can quietly wreck your financial future.

Here’s what we cover in this episode:

💳 The difference between “good debt” and “bad debt”
📊 When expected returns make keeping debt the smarter move
🏠 Why most retirees should aim to be debt-free—but not always
🧾 How paying off debt can trigger major tax consequences
📉 The risks of reverse compounding in down markets

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: [phone]

Watch the show on YouTube: https://bit.ly/3Ssra3H