 like picking up side work you can supplement your retirement savings and social security benefits with part-time earnings which can make your money go further and consider moving or downsizing since your home is usually one of your biggest expenses you might be paying high property taxes maintenance costs and time your social security benefits taking them early might give you the income you need to get rid of your debt but on the other hand it may be better to wait it's best to talk to a financial professional on this matter