Many pre-retirees are concerned and wondering if they will have enough retirement income when they retire.  So how can they begin to improve their situation?

A simple and excellent strategy is to have all debt paid off by the time of retirement.  For many people this can be at least $1,000 to $1,500 per month of cash flow improvement.   And one of the best ways to possibly accomplish this is to begin years before retirement paying more each month towards your debt.  This can allow you to eliminate your debt much faster with the goal of paying it all off before your reach your retirement date.  In addition, you may also receive an intangible benefit… the great feeling that you owe no one, and the freedom that comes with this.