How Creative Debt Restructuring Can Change Your Life

Most people hear "debt restructuring" and immediately think bankruptcy, but that's not what we're talking about here. This episode is about reshuffling your debt stack in a way that frees up cash flow, takes advantage of interest arbitrage, and gets you to your goals faster. We walk through how rethinking which debts get your extra dollars — based on deductibility, interest rates, and after-tax cost — can save you thousands every year and unlock breathing room.

Key moments:

(01:32) Deductible debt vs. non-deductible debt, and how mis-prioritizing payments can work against you

(06:43) The math behind why paying a 5% student loan is equivalent to a risk-free 8-9% return

(11:50) Why inflation can actually benefit debt-holders with significant assets

(13:56) Restructuring mortgage debt near retirement to delay Social Security and maximize benefits

(17:17) When it's okay to ignore the math: behavioral finance and the psychology of debt payoff

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