Excerpt: Do reduce your debt. Paul Tarins, president of Sovereign Retirement Solutions in Winter Park, Florida, says all too often, “If they’re carrying a lot of debt as they near retirement, most will never get out of debt,” he says. Credit card and auto loan debt should be paid off to the fullest extent possible before retirement. “If you can’t do that, either continue working or consider downsizing,” he says. The entire article is on the Chicago Tribune.