So, you've made a huge mistake. Gone are your 20s, 30s, and 40s. You're, say, 50, and staring down the barrel—you haven't saved any money for retirement.
When it comes to debt, I try to avoid being one of those guys who screams, “Cut up all your credit cards!”
This is my least favorite time of the year. Some people look forward to the “clean slate” of a new year, with all the potential and possibilities.
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