You cannot be saved or destroyed by credit cards. These credit cards are just a tool and you are the one who has to decide how to use them.

It is impossible to give a “one size fits all” type of recommendation whenever you are talking about the right amount of debt for a person to assume. However, this does not mean that there are not any good guidelines at all.

Often people who retire find themselves working full time in jobs that are low paying and sometimes demeaning, for the sole purpose of staying afloat financially.

Post retirement age and its associated trials will be simplified greatly, if decisions about all the aspects that would require taking care of were finalized and planned well in advance.

It is never too early to plan for your retirement, in fact as soon as you have your first job you should start saving in one way or the other for your retirement.