It makes sense to assume that once you've retired, the financial battles that came with your working years are behind you. And, in some ways, that's true. You're no longer focused on earning a paycheck and socking money away, but if you're carrying debt , it doesn't age out in the same way that your working years do. Credit card balances, medical bills and personal loans can follow you well into your 60s and 70s, and when you're on a fixed income, the pressure of carrying unresolved debt can