When you've got multiple credit cards that are carrying substantial balances, it can feel overwhelming. (simplethriftyliving.com)
You begin with one card and before you realize it, you have several credit cards with substantial balances. (blog.kainscott.com)
One factor to keep in mind is that if you have substantial balances in traditional IRA or 401 (k) accounts, waiting to tap any of this money until age 70 1/2 may make your RMDs so large that they'll push you into a higher tax bracket. (wisebread.com)