Normally I don't like CC debt, lived most of my life debt-free, however I have no property in the USA and its unsecured debt. A couple months of SS in the bank is also protected. Anyone with a home or other assets should avoid CC debt, or any debt. I'm waiting to see what happens while I pay the debt down, all is at 0 APR and inflation is eating the banks not me.

I retired early and moved abroad, but COVID scamdemic screwed me. I'd owned my own condo and had a few rentals as well, all low-end. Sold out to build a house abroad and lived on savings for 3 years, getting my SS after returning in 2020.

By the way collecting SS at 62 doesn't penalize you in the long run even if you return to work. That is unless you earn so much the SS is gobbled up by the over-cap for less than full retirement age. In my case my job pays a lot more per hour than I ever made in Orlando, and I work as much OT as I can get.

Every month of SS that's taken away for being over the wages limit yields .7% So If I lose 1 year worth of SS (Over the 3 total years until full ret. age, already ending the second) I'll get an 8.4% increase (I'm trying to have 1.5 years which would give an increase of 12.6%) Then since I'm earning a lot more with higher wages and OT, that will bump off some low earnings years and also increase my SS. I timed everything with the upcoming election in mind, I don't intend on working until I die then letting the Medical Mafia suck my meager money up.