The great news is that, if the interest rate on your student loan is low (below 8%), it doesn’t have to be paid off before you start tackling longer-term goals like buying a home or saving for retirement. Instead, you can balance paying off your student loan debt vs saving a down payment for your home by tackling both simultaneously.

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As we enter the final 10-20 years before retirement, the equity we have in our home often represents a large part of our retirement savings. To make the most of this hard-earned asset, it’s important to make thoughtful decisions about our mortgage and home ownership in general. We may also need to challenge common assumptions – what’s right for one homeowner approaching retirement may not be right for another.

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In this week’s webcast, we talked about the issue of declining home ownership, why buying a home might be beneficial to you, how much home you can afford, and how to refinance your home to get the best bang for your buck.

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