If you are receiving unsolicited phone calls from an entity pretending to be ACCC (a trusted non-profit credit counseling agency), please be assured that ACCC’s policy is NEVER to contact you unless you’ve explicitly requested us to call you. Also be cautious of emails from an unusual or unfamiliar domain. ACCC’s domain extension is @consumercredit.com, and any emails using a different extension should be treated with suspicion.


ACCC’s Client Login allows current clients to access their program information, including the due date, program benefits, and other documents.

Select a Client Login below based on the service that you are currently enrolled in:

Debt Management Program

Client Login

Not yet a client, but looking to get started?

ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

Get Started


You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.


10 Signs You’re Not Ready to Retire

As retirement looms on the horizon, it is crucial that you have a sense of readiness to live the golden years of your life comfortably. However, doubts about your retirement plan can creep in, leading to a need for evaluation and changes where necessary. As a nonprofit credit counseling agency, we understand that debt can be a burden when it comes to retirement planning, but there are other red flags as well. Here are some signs that might indicate you are just not ready to retire yet.

If too much debt is one of the signs you're not ready to retire, ACCC can help.

If too much debt is one of the signs you’re not ready to retire, ACCC can help.

1. Not having your numbers in order

To determine how you will cover your day-to-day expenses, travel, healthcare, and holiday expenses, you need to have a sense of how you want to spend your life in retirement. This requires crunching the numbers with a good retirement calculator. Failing to do so can be a sign that you are not prepared for retirement.

2. Insufficient 401(k) savings

Not having enough in your 401(k) can be an alarming sign that you are not ready to retire yet. Discuss options to improve your contributions to your employer and look for other avenues such as traditional or Roth IRAs.

3. Retirement checklist not in order

Knowing if your legal documents are in place and your medical insurance is in order is important to a secure retirement. This is a key factor in reconsidering your retirement.

4. Significant debt

Having a substantial amount of mortgage or credit card debt that you must continue to pay will put a strain on your future retirement funds. If this is the case, then it’s time to work towards eliminating your debt fast.

5. Uncertainty about Social Security benefits

It is always best to at least have an estimate of what you can get from these benefits. Knowing this information can help you plan out your retirement.

6. Current expenses are out of hand

If you are concerned about covering your day-to-day expenses, retirement in the near future may not be the best option for you. Re-evaluate your budget to identify areas to cut down on expenses and save more for your retirement.

7. Need drastic measures to pay bills

If you have to take drastic measures such as selling your property or getting a reverse mortgage, it may be time to reconsider your retirement plans. Make changes to your savings strategy or your career now to ensure you are truly ready to retire.

8. Health coverage concerns

Medical costs can be a critical cost element in retirement. Ensure that you are covered for your prescription drug costs before deciding on retirement. This expense is a factor that deteriorates both your finances and your health sooner than you might think.

9. Career advancement is still a big factor

If you seek more responsibility, more work, and more challenges, then you’ve still got time until you retire. Make sure you reach your goals while you have the enthusiasm for them to avoid regret. The resulting pay hikes and other earnings can also be a good way to build up some extra savings.

10. Insufficient interests and activities

Even when you are financially fit to retire, you must ensure that you have your heart and mind set on it. Having a purpose post-retirement can keep you engaged and happy. Put some thought into this before you make your decision to retire. Many people find that they have more free time in retirement than they know what to do with, so it’s important to have hobbies, interests, and social activities to keep you engaged and fulfilled.

If you find yourself relating to one or more of these signs, it may be time to take a closer look at your retirement plan. It’s never too late to start planning for retirement, and there are resources available to help you get on track. A nonprofit credit counseling agency can offer guidance on managing your debt and improving your financial situation, while financial advisors can provide valuable insights into retirement savings strategies.

In addition to seeking professional advice, consider making changes to your lifestyle and spending habits. This may involve downsizing your home, cutting back on expenses, and finding new sources of income. By acting now, you can better position yourself for a comfortable retirement in the future.

One way to improve your retirement readiness is to create a detailed retirement plan. This should include a budget for your retirement expenses, an estimate of your future income streams, and a plan for how you will fund any gaps in your retirement savings. Your retirement plan should also account for any potential health care costs, as well as potential long-term care needs.

Another important factor to consider when planning for retirement is your life expectancy. According to the Social Security Administration, the average life expectancy for someone who reaches age 65 is around 84 years for men and 87 years for women. However, these are just averages, and many people live much longer than this. Therefore, it’s important to plan for a retirement that could potentially last 20 or more years.

One way to ensure that you are financially prepared for a long retirement is to maximize your retirement savings. This means contributing as much as you can to your 401(k) or other retirement accounts and taking advantage of any employer matching contributions. You should also consider opening and contributing to an individual retirement account (IRA) to supplement your retirement savings.

Another important aspect of retirement planning is understanding your Social Security benefits. Social Security benefits are a critical component of many people’s retirement income, so it’s important to know how much you can expect to receive. You can get an estimate of your future Social Security benefits by visiting the Social Security Administration’s website.

When it comes to retirement planning, it’s important to start early and stay focused on your goals. The earlier you start saving for retirement, the more time your money has to grow. Even if you are already close to retirement age, it’s never too late to start saving. Every dollar you save today can make a big difference in your retirement income down the road.

In conclusion, retirement planning is a complex process that requires careful consideration of many factors. Recognizing signs you’re not ready to retire can feel scary at first, but the crucial thing is to take action. If you are not yet ready to retire, it’s important to take a closer look at your financial situation and make any necessary changes to improve your retirement readiness. This may involve reducing your debt, increasing your retirement savings, or making changes to your lifestyle and spending habits.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 


Rae Yen is a marketing coordinator at ACCC. She wants to help others optimize their financial resources and plan accordingly.

View all author posts →


Your Ultimate Money Management App

Meet CreditU, the ultimate one-stop debt and financial management app! See your full financial overview, including debts, income, expenses, and savings.

CreditU Apple App Store
Dev Tool:

Request: blog/10-signs-youre-not-ready-to-retire
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=10-signs-youre-not-ready-to-retire
Loaded Template: single.php