Money & SavingsHave credit card bills? Personal loans? Other forms of debt? Don’t worry, you’re in good company. Personal finance expert Lynette Khalfani-Cox says paying down debt is especially important when you’re 50 or above and starting to plan for retirement – and more so if you’re retired and living on a limited income. Of course, some debt is unavoidable…especially if you’ve been hit hard by the recession and if you’re dealing with health issues, job loss, or underemployment. And prices of …