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your retirement checklist by Mike Balloo of Eggstack.com.

As you approach retirement, it's important to take inventory to make certain all of the necessary arrangements are made.

Once you make the big leap, it's too late for a do-over. You need a checklist, and what follows

is a good start. Pay off debt. The best case scenario is to be debt-free when you enter retirement.

Debt is a necessary evil when you're young and first starting out, but by the time you retire, you should have

outgrown it. Loan payments are not something retirees should be dealing with. The biggest favor you will

ever do yourself is to get a 15-year mortgage. You pay off your mortgage in half the time, but the

payments are not twice as much. If you already

have a 30-year mortgage, you can achieve the same result by paying it off at the higher 15-year

rate. Retiring is a little like traveling to Mars. Another component to being debt-free is to put

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