The Money Mindset Podcast

#132 Are You Too Old to Pay Off Debt?

March 27th, 2023

Are you feeling like you're too old to pay off debt, save for retirement, and live the life you want? Do you find yourself thinking that time has run out and it's too late for you to start making progress?

It's common to feel like you've missed the opportunity to achieve financial success as you get older, but the truth is that it's never too late to start taking control of your finances.

In this episode, Ashley challenges these beliefs and shares some practical ways to shift your mindset so you can start taking action towards your goals.

Hosting Today:
Hey, I’m Ashley Patrick, a personal finance expert and founder of Budgets Made Easy. I help busy moms create systems to save money and pay off debt so they can reach their big dreams faster and easier.

I was able to pay off $45,000 in just 17 months including $25,000 in student loans in just 10 months. I’m a Master Financial Coach and have a bachelor's degree in psychology and will help you get to the root of your money problems.

Since my journey started I have been featured on Fox Business, Yahoo! Finance, Food Network, USA TODAY, MSN, CNBC, NerdWallet, and many others.

“In my opinion, of course this is just my opinion, it is more important to focus on getting your bills lowered as you move into retirement. Because more than likely your income will be lower if you haven't been able to save up to that point. And if you have been able to save, awesome, then you can focus on paying off debt more than saving more because you've already got enough saved.”
- Ashley Patrick

00:00 - Introduction to the episode
00:52 - The Implementation Day Workshop
02:08 - The mindset of feeling too old to pay off debt, save for retirement, and do the things that one wants to do
04:11 - Adjusting your priorities as you get older
08:29 - Last words of wisdom
10:36 - How to join the Implementation Day Workshop

Are you tired of procrastinating on your finances and neglecting your debt? Do you often find yourself making excuses for why you can't pay off your debts yet? If so, it's time to put an end to it and take action with our Debt Pay Off Plan Workshop - Implementation Day!

If you're struggling to get started with a debt pay off plan or constantly making excuses for why you can't do it right now, this workshop is perfect for you. Head over to and register today!

And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes

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