Hi Carol — Definitely not an account or financial advisor. However, I am a freelancer :-) One word of caution — be careful with people/companies who ask you to pay to take a course then promise work. Not sure if that’s exactly what you’re dealing with, but, if so, proceed with caution.

Personally, I am not a fan of debt, however it can work when used responsibly. Your plan sounds like it makes sense for you, as long as you don’t deviate from it.

Happy you are enjoying the Never Retire articles. I definitely appreciate it. I always love to see your comments and such.