[carreradpt]

Plan to be debt free when the retirement date arrives. Save and start saving early and keep at it. And retirement is way underrated if you are prepared. Being mortgage free is a huge weight off the retirement scenario. Our house is paid for, the cars are paid for, no credit card debt, nothing but paying the bills as we go along. And now we can just spend our money and not worry about stashing it away. Oh, and we have no kids. I love retirement!!