If you're stuck with high interest rates or unaffordable monthly payments, you might feel that taking out a loan was a mistake. While a bad loan can feel overwhelming, it's not uncommon — 29% of respondents said their biggest financial regret was taking on too much debt, according to a Clarify Capital survey. The good news is that you're not stuck with a bad loan forever. With a clear plan and dialed-in budget, you can dig yourself out of debt and close that loan for good. If you regret a past borrowing d ...

Quick Read Suze Orman recommends eliminating all mandatory monthly payments (mortgage, car loans, credit cards, student loans) before retirement. Fixed retirement income cannot support debt payments without reducing quality of life. Investors rethink ‘hands off’ investing and decide to start making real money Think you're ready for retirement? Even if you hit your retirement savings goals and you're ready to collect your gold watch, influential financial planner Suze Orman says you are really not r ...

美国家庭债务总体情况 - 截至2025年第三季度末 全国家庭债务总额上升至18.9万亿美元 平均每个美国家庭负债154,152美元 [1] 抵押贷款债务 - 抵押贷款债务是家庭总债务的主要组成部分 平均每个家庭仅抵押贷款债务就达108,425美元 [2] - 抵押贷款债务增加与房屋价值随时间上涨相关 这被视为正常现象 [2] 房屋净值信贷额度债务 - 房屋净值信贷额度债务正在上升 表明个人正在以其房屋为抵押进行借贷 [3] - 2025年第三季度 HELOC债务增加了80亿美元 这是连续第四个第三季度出现增长 [3] - 专家指出 若人们通过再融资套现或办理二次抵押贷款 意味着他们正在将房屋净值用于其他用途 这显示其资金可能已见底 [4] 信用卡债务 - 截至2025年第三季度末 信用卡债务增至1.23万亿美元 [4] - 债务上升表明消费者正试图弥合工资增长停滞与成本飙升之间的差距 [4] - 信用卡债务在2025年第一季度从2024年第四季度水平略有下降 但在第二和第三季度有所增加 这种波动符合全年消费支出模式 [5] - 第四季度通常因假日消费导致信用卡债务增幅最大 鉴于2025年第三季度的债务水平已接近2024年第四季度的峰值 预计2025年全年信用卡债务将整体上升 [5] - 信用卡债务等高息债务会迅速加剧家庭财务压力 [5] 债务状况综合评估 - 抵押贷款债务因房价上涨而增加 这属于正常情况 [6] - 房屋净值信贷额度债务和信用卡债务的增加则不是好现象 这些应被视为最后不得已的借贷手段 [6]