KT

And in the book, you say your mortgage should be paid off by the time you retire.

Well, wait a minute.

Ready?

Susie, have your thoughts on this change?

No.

Considering people are not able to buy homes at a younger age.

as they once were due to the high cost to purchase a home and high interest rates.

Fair enough, Susie.

I'm curious what your advice is to the person wanting to own their first home in their 50s.

It feels like owning a home are dreams deferred in these recent times.

Sam, what's your thought on that?

Dear Susie, my son, who has been incarcerated since 2018, received a debt collector letter a couple of weeks ago at my home address.

Now, this woman, this mom is 70 years old.

And she says, the letter stated, Susie, that the current creditor debt that was owed on December 12, 2012,

with interest and fees is now $9,576.

And the debt collector is now asking for a response in this letter to her or to him at her home by February 11th, 2026.

So what she's asking is, Susie, after so many years, can a debt be charged off or dismissed, especially if he's incarcerated?

What do you do?

All right.

Next question is from Antonia.