You guys have it right, try to get out of debt and stay out of debt. I never made big money but I learned this early in my 20's and practiced it all through life. So I retired at 58, that was a little chancy and I had to buy expensive medical insurance until SS kicked in, but I have had a really good life to my now 78. So the other part of this equation is having good health so you can enjoy your retirement and that takes some work just like being out of debt does. I eat vegan which has driven my cholesterol and blood pressure numbers down to super low levels and I walk and workout on weights twice a week. Throw some luck into this mix and this formula has worked for me.
