Too many people today enter retirement with high, non-mortgage debt. Do you know your current, total debt-to-income ratio? That’s more of a question for your trusted financial advisor, but an important question to answer nonetheless.

While you likely have a 401(k) or some sort of income coming in, having debt in retirement can seriously impact your ability to retire comfortably. Retiring debt-free and mortgage-free while saving for retirement can seem like a daunting task, but one you’ll be happy you completed once you are retired.