I am 64 and hope to retire next year. I have $140,000 in savings and about $260,000 in my retirement fund. I take in about $2,200 in monthly rent from four properties and will get about $700 in Social ...

One exception where you may be on the hook is if you co-signed the loan, like Elena did with Marcus’s $10,000 personal loan, or held debt jointly, like Marcus and Elena’s HELOC and shared credit card.

I’m thinking of retiring at 65, when my twins will be 15. I understand that each child will get the equivalent of 50% of my ...