Audience questions this week: What’s more financially beneficial: a cash-out refinance or a home equity loan? How to ramp up investing for retirement in your 50s? And what are some ways to eliminate credit card debt sooner than later?

• Pre-order A Healthy State of Panic to receive Farnoosh’s free online program, Scared Smart.
• Book Farnoosh for a virtual speaking event here.
• For help getting out of debt, check out www.nfcc.org