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I've been trying to help my mom get out of debt for three years, and she's retiring in three years as well, or she wants to,

but I can't get her to become gazelle intense.

Okay.

She's broke and staring down the barrel of retiring broke, but won't fix it.

Why?

I have no clue.

I've asked and I've prodded and I've tried to get her to see how scary it could be retiring if nothing but how old are you I'm 25

how old is she turning 60 this year well she's not gonna retire at 63 because she's

not gonna have any money yeah she thinks she has a pension plan but that's it, I've already looked and I've been helping her with her finances and I don't see it working for her for covering all her expenses and still her debt.

How much debt does she have?

Currently, 40,000 total.

Okay, what's it in?

20,000 in student loans, 16,000 in personal loans from credit cards, and then 4,000 in a remaining

credit card.

Okay.

Did she go to school?

The student loans, is that hers, or was it a parent plus loan?

She was going to school, but she didn't finish her last class, and so these are just the

remaining student loans from her own degree. Okay. So when you sit and say, Mom, this is serious,

if you don't fix this, you're going to be up a creek without a paddle. What does she say?

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