Cut Back Your Spending Now.

I Have Never Been A Fan Of Bond Funds. Unlike A Direct Investment In An Individual Bond That You Can Hold To Maturity And Be Assured You Will Get Your Principal Back (assuming No Default), A Fund Has No Finite Maturity Date And Most Funds Are Actively Traded.

But Credit Card Debt Is Unsecured Debt, Which Means If You Get In Trouble And Cannot Pay Off Your Credit Card, You Can Discharge It In Bankruptcy. What Are They Going Do To You? If You're In A Financial Position To Just Methodically Pay Off Both Credit Card And Student Loans, Pay Them All.

We Each Focus On What We're Going To Buy, But That's An Incorrect Focus. Focus Instead On Why You Want To Spend The Money On This Or That. What Feeling In You Does It Satisfy?

If You Pay Off Your Mortgage Before Retirement, You Take A Huge Financial Load Off Your Shoulders. You Also Become Eligible To Take Out A Reverse Mortgage Once You Turn 62.

The World Needs Another Vehicle To Get People To Pay In Cash.