Here’s a great article about three factors in planning your retirement.
I thought this paragraph about personal loans was fascinating:
I once heard a banker say, “You might as well get used to always having a car payment and always having a mortgage payment.” That is terrible advice. If you can afford a 15-year loan, do it. After it’s paid off, you may be able to leave behind the world of borrowing.
For the whole article, visit: http://www.marketwatch.com/story/3-biggest-factors-in-planning-your-retirement-2014-05-08?siteid=yhoof2