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My wife and I are in our late 60s. Do I sell stocks to pay our $30,000 credit-card debt — or do it gradually over 3 years?

Why This Matters

“We have around $375,000 in investments in mutual funds and stocks with Morgan Stanley.”

July 3, 2025
02:05 PM
2 min read
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Advanced ➔ Results The MoneyistMy wife and I are in our late 60s. Do I sell stocks to pay our $30,000 credit-card debt — or do it gradually over 3 years.

‘We have around $375,000 in investments in mutual funds and stocks with Morgan Stanley’Last d: July 3, 2025 at 10:05 a. ETFirst Published: July 1, 2025 at 11:11 a.

ETResizeListen(6 min)“We own our — it’s worth around $750,000, and we owe $450,000. Our monthly cost for the house is $2,550. ” (Photo subjects are models.

) Photo: Getty Images/iStockphotoDear Quentin,I’m 67 and my wife is 66, and we would to retire at age 70. We own our — it’s worth around $750,000, and we owe $450,000.

Our monthly cost for the house is $2,550, which includes mortgage, insurance, taxes and HOA fees. We have around $375,000 in investments in mutual funds and stocks with Morgan Stanley MS.

The Author Quentin FottrellQuentin Fottrell is MarketWatch's Managing Editor-Advice and The Moneyist columnist. You can him on Twitter @quantanamo.

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