Employer Type: Government - Federal (United States)

I'm 55 years old and nearing retirement with a Federal Agency. 6 years ago I read Dave Ramsey's Book, "Total Money Makeover." At that time, I was in so much debt that I truly believed that I could never retire. After reading the book I realized that I needed to get control of my spending. To make a long story short, I paid off all my debt, including the house, in 3 1/2 years and I can't tell you how great it feels to not owe anyone any money. So, if you want to feel truly free, get out of debt. You will find that you enjoy your job quite a bit more if you know that you don't really have to keep working forever.