Tyson Crotty

Tyson Crotty

Tyson is a Senior Financial Adviser and Director of Finspective. Read More about Tyson

August 30, 2021

A simple strategy in your vintage years debt-free

A few months back, I stumbled across a funny, yet perfect definition for ‘retired’. It read as follows:


I do what I want, when I want.
See also: not my problem anymore
But, is this the real world when you have debt in your pre-retirement years?  
The “pay your debt ASAP” strategy of past generations has been a key influencer for Baby Boomers who are gearing themselves up for retirement. The psyche is that there is a necessary trade-off.  To own your home at retirement, you ‘need’ to sacrifice entertainment, holidays or the potential to work less now.

But here’s what is real-world…most of the time, you don’t need to make a trade-off!

Not only is it possible to avoid a trade-off, but it is also possible to:

  • Own your home outright at retirement;
  • Improve pre & post-retirement lifestyle;
  • Save tax; and
  • Stop paying additional loan repayments.

I wrote an eBook called ‘The Great Retirement Debt Fallacy’ which challenges the status quo.  There are no magic tricks, just one simple strategy that’s so obvious, you’ll have wished it had been pointed out sooner.  

If you’re interested, Click Here and we’ll email you a copy.

Tyson Crotty Senior Financial Advisor and Director
The Great Retirement Debt Fallacy



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