If your retirement is looming, you may find yourself facing all kinds of worries and fears. At the top of the list might be the fear that your finances will tank and your debt will overwhelm you and force you back to work. You aren't alone in these fears, and in fact, you can find some help and conquer your worries so that you can look forward to your retirement and then enjoy it thoroughly.

Talk to a Financial Advisor

To conquer your retirement debt fears, begin by talking to a financial advisor who can help you see your current situation realistically and make plans for the future. Your advisor will review your finances, taking into account your income, expenses, level of debt, and present savings. You'll have a much better view of your circumstances, and this in itself might reduce your fears. Your advisor may also suggest a plan of savings and investment to boost your confidence and better prepare you for financial security in retirement. You might also learn some tips for cutting your expenses and saving money.

Convert Advice Into Action

Next, you will need to take the advice your financial advisor has given you and convert it into action. This may involve some sacrifices. You will probably need to cut some expenses, perhaps in the areas of entertainment or technology so that you can reduce your debt and increase your savings. You might not be able to take major vacations or buy all the little extras you want. You may even run into opposition from your family members as you strive to improve your financial situation. But if you stand strong, you may gratefully find your retirement debt fears diminishing.