By January 2025, HELOC rates had hit an 18-month low of just 8.27%, nearly two full percentage points lower than they were.

Though the proportion of investing, loan repayment and spending are subjective, experts say, middle-aged individuals who have multiple financial responsibilities and goals ahead should invest 50% of ...

Debt can feel overwhelming; however, there are ways for debt to work in a beneficial manner rather than being a burden.