USA Today reported that the number of elders, aged 75 and older, with debt and declaring bankruptcy is up almost 20%. The statistics are scary: average debt - $36,757; percentage of families 75 years or older with debt - 49.8%; share of homeowners 65 years and older with mortgages - 41%. You want the autumn or even winter of your life to be spent riding your money wave (sorry, I had to plug it.) You want to be living off of the interest on your assets, not the $1,400 Social Security gives you and contemplating declaring bankruptcy. In today's podcast, I give you three things you can do to make sure you are enjoying the last years of your life financially.