Smart Borrowing is the newest offering from Live-Wiser, designed to help individuals and families make informed, age-appropriate borrowing decisions throughout every stage of life — especially the legacy years, when financial simplicity, security, and estate preservation matter most.

 

Through Smart Borrowing, users gain access to expert guidance and structured education on managing and minimizing debt across all major borrowing categories:

• Credit Cards – Strategies for minimizing use, preventing fraud, and protecting estate assets.

• Life Insurance Policy Loans – Understanding how policy borrowing affects death benefits and legacy planning.

• 401(k) Loans and Retirement Withdrawals – Smart distribution planning to preserve long-term income stability.

• Home Equity Lines of Credit (HELOCs) – Evaluating risks, repayment pressures, and safer alternatives like reverse mortgages.

• Mortgage Refinancing and Second Mortgages – Knowing when to avoid new debt and prioritize housing security.

• Student Loans – Managing legacy debt wisely while balancing care needs, estate protection, and family expectations.

 

The Smart Borrowing platform combines educational tools, personalized calculators, and resource links to help users evaluate borrowing choices objectively and avoid common pitfalls that can jeopardize financial independence or inheritance planning.

 

With Smart Borrowing, Live-Wiser empowers people of all life stages to:

• Simplify financial management in later life.

• Avoid predatory lending and unnecessary debt.

• Preserve assets for care needs and future generations.

• Coordinate borrowing and repayment decisions within an overall estate plan.

 

Smart Borrowing by Live-Wiser isn’t just about loans — it’s about clarity, control, and confidence in every financial decision that shapes your lasting legacy.