How to be debt-free when you retire
There are two retirement dates in your life. The day you stop working — and the day the payments stop. Most people only plan the first one. DebtPath IQ™ puts the second one on your screen, with a month-by-month plan to move it before the first.
A payment that is easy at 55 is heavy at 75
On a paycheck, a card balance is an annoyance. On Social Security and savings, that same balance takes a bite out of every single month — the trip you postpone, the repair you put off, the help you would rather give a grandchild. Retiring with debt does not just cost interest. It costs options, at exactly the season of life you saved those options for.
Here is the hopeful part: your debt-free date is not a mystery. It is arithmetic — your balances, your rates, your plan. Change the plan, and the date moves. You just need to see it.
One size does not fit all
Every guru hands out the same plan they hand everyone else. But the right order to pay your debts depends on your season of life. DebtPath IQ™ knows four methods — and interviews you to find yours.
💵 Cash Flow
Frees up the most monthly money the fastest. Built for a fixed income — when the month runs out before the money does, breathing room comes first.
🏔️ Avalanche
Highest interest first. Pays the least total interest on the way out — every dollar not paid to a bank stays in your retirement.
⛄ Snowball
Smallest balance first. Quick wins and visible momentum — the method for anyone who needs to see progress to keep going.
📈 Credit Score
Raises your score the fastest — the method for downsizing to a new home, refinancing, or any move in the next year where your score sets the terms.
Not sure which is yours? That is the point — the app's interview figures it out for you.
One evening at the kitchen table
- Answer the interview. Plain questions about your debts, your month, and your goals. No jargon, no judgment — if you can fill in a form, you can do this.
- Get your plan. Every debt in payoff order, what to pay this month, and what happens next month. Built-in calculators show what a windfall — or a consolidation loan — would really change before you act.
- Watch the date move. Your debt-free month and year stay on the screen. Update balances as you pay, and watch the chart fall — and see whether that date lands before your retirement date. If it does not, the calculators show you what would move it.
Your finances never leave your house
DebtPath IQ™ is a real Windows program, not a website. Your balances and account numbers are stored encrypted on your own computer — no account to create, no cloud copy of your finances. We could not look at your numbers if we wanted to. The one thing the app ever sends is a quick license check when it opens — your license key and your computer’s name, never your financial information — and even without any internet it keeps working for up to 14 days at a stretch.
- $49.99 once. Yours forever. Never a subscription.
- One license covers up to 3 of your own computers, and it moves with you when you replace one
- All four payoff methods, the interview, and every calculator included
- 14-day money-back guarantee — email a real person at support@ageboldlyandthrive.com
And a plain word about who is asking: this is our own software — built by the same folks behind this site, people who carried the debt, worked the plan, and climbed out. Not an ad, not an affiliate link. We only put our name on what we would hand our own family.
Before you decide
Is this financial advice?
No. DebtPath IQ™ is an educational planning tool. It shows you the math on your own numbers so you can make better-informed decisions. For advice about your specific situation, talk to a qualified financial professional.
I am not a computer person. Can I use it?
If you can fill in a form, yes. The interview asks plain questions one at a time, and every result is explained in everyday words. After you buy, your license key arrives by email — install, paste the key in once, and you are running. One heads-up: Windows may show an “unrecognized publisher” notice the first time you run the installer. That is Windows being cautious with every new small software maker — click “More info,” then “Run anyway.” There is a built-in user guide, and a real person answers at support@ageboldlyandthrive.com.
What will the charge look like on my card?
Checkout is handled by Lemon Squeezy, our payment provider — so your card statement will read LEMSQZY* DEBTPATHIQ. If you see it later and wonder what it was: it was this.
What if it is not for me?
Ask for your money back within 14 days and we refund it in full. No hoops — email support@ageboldlyandthrive.com with your order number.
Already retired — is it too late for this to help?
No. The Cash Flow method exists for exactly this season: it orders your payoff to free up the most monthly money the fastest, which is what a fixed income actually needs. The date on the screen is yours, whatever year you start.
Retirement is better without a payment book
$49.99 once — for a plan that fits your life and a date you can circle on the calendar. Set it up tonight, and know your debt-free date before you go to bed.
DebtPath IQ™ is an educational planning tool, not financial advice. Requires Windows 10 or 11; a Mac version goes on sale October 1, 2026. Sold by Dos Espadas, LLC — the company behind Age Boldly and Thrive.