Retired reader raises assets and credit score after debt turnaround

5 articles · Updated · MarketWatch · May 8

After a final layoff in 2022, the former tech worker said assets rose more than 10% despite a 60% pay cut, while the credit score reached 825.
The reader said recurring bills were cut, Social Security was delayed until age 70, and credit cards are now paid in full monthly to avoid interest while earning cash back.
The column framed the story as a lesson in curbing spending and managing retirement income as US households face about $1.3 trillion in credit-card debt and ongoing layoff risks.

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