Not long ago, a woman in her early 60s asked me a question I hear more often than you might expect: “My home is paid off, but I still worry about money in retirement. Am I supposed to sell it someday or just hope I never need to?” She was not looking for a loan…

For many women over 60, the home is more than just a place to live. It’s security, memories, and often the single largest financial asset. As living costs, healthcare expenses, and family responsibilities grow, it’s natural…