Sometimes, you gotta start small.

A question that even I've pondered in my own personal attempts to broaden a semblance of a retirement plan is one that's probably shared by many of your clients and plan participants: How do I get a start on a real plan when the only thing making a ton of money on interest rates is my credit card company, not my investments? Would I be better taking the money I have in savings and paying off the cards?

It's a valid concern – and one that can eat away a bit of your soul every month when you look at the statements and realize it's like a retirement plan in reverse: Rather than saving money, you're actually watching your potential investable assets dribble away in finance charges.

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