I'm 41 and plan to retire at 65. My first step was paying off over $55,000 in credit card debt — here's how I did it.

Michelle Gudiño Prestamo. Courtesy of Michelle Gudiño Prestamo Michelle Gudiño Prestamo, an HR manager, paid off her debt with the help of a company resource. She aims to retire at 65 and pursue her dream of starting a coffee shop, and this was the first step. After clearing her debt and upping…