This article posted by the senior directory holds four tips that are extremely important for anyone planning to retire. The aim is to build up retirement funds and make smart money decisions and enjoy your work free years but what if you find yourself with outstanding debt? Approximately 49.8% of households by Americans 75 and older have debt according to this article. So what can you do to help eliminate or prevent that in you or your loved ones life? This article helps to address that and gives you food for thought on the different changes you might expect as you age. It addresses budgeting, lifestyle and life stages, housing, and long term care options. Simple tips that are quick and easy to execute and help you to be aware and prepared! Click HERE to read the article.