Why Your Retirement Number Should be Zero

Most people focus on how much money they need for retirement. But just as much attention should be paid to eliminating debt by the time you retire. With zero debt, you need less savings to cover your basic needs. It also allows the savings you have accumulated to be used for discretionary spending.

Musical Treat

The concept of "zero" comes up in Billy Preston's hit  "Nothing from Nothing."  The "fifth Beatle" is also worth hearing on his hit "'Round in Circles."  Love the music and the hair!