In this episode, we start with an introduction to the evolving financial landscape and the increasing mortgage debt faced by many homeowners. We explore strategies for managing mortgage debt during retirement, including the growing trend of downsizing. The discussion then shifts to effective strategies for refinancing and accessing home equity, providing practical insights for homeowners looking to optimize their financial situation. The episode concludes with a wrap-up of the key points discussed, offering listeners a comprehensive understanding of how to navigate the current mortgage environment.