I'm 41 and plan to retire at 65. My first step was paying off over $55,000 in credit card debt — here's how I did it.

Michelle Gudiño Prestamo, a 41-year-old human resources manager at a major footwear company in Mississippi, successfully paid off over $55,000 in credit card debt. She utilized a company resource to help eliminate the debt. With her debt cleared, she increased her 401(k) contributions and is now focused on saving money. Her goal is to retire at 65 and open a coffee shop, a passion she has had for some time.

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