retirement. if you re going to have debt. is there good debt and bad debt? you can tell which debt is good debt and which is bad debt because the good debt has lower interest rate. if you have debt with double-digit interest rates, that s bad debt and you want to take money that you ve got sitting around not being saved and use it to pay off that bad debt because a 15% interest r e rate, if you could pay that off, that s like a 15 m% return on yr money and it s guaranteed. it s not like you re not going to get it. you re going to get that 15% return. makes sense. pay off your credit cards and don t worry so much about the student loans and the mortgages, just pay those off on time, but getting out of credit card debt just puts a smile on people s faces. makes them so much happier. happy holidays to you. to you, as well. a proud ridgeback has her paws full after giving birth to a huge litter of puppies. 17, if you re counting.