[jmcarter]

Many of us are locked into what our retirement picture will look like and while I’m likely halfway through my retirement I haven’t changed my outlook on minimizing debt. I’ll repeat my encouragement to follow Dave Ramsey’s principles as best you can and influence the youngsters to do likewise. The apparent lack of basic values and propensity for instant gratification is contradictory to what today’s youth should be learning. Taking personal responsibility DOES NOT include things like waiting for the government to pay off student loans and falling for all the gambling commercials on every sports telecast and billboard. Again, applaud all the racers who’ve planned well, if not then best bite the bullet on eliminating debt or pray there are generous family members to help cushion what could be a bleak retirement.
Sorry to harp, it’s only from the standpoint of being retired do you know some things you’d done differently if someone had harped at you (my wife of 47 years did her best but sometimes those outside your circle can have a larger influence).