benefits department and increase your contribution because that's the best return you're going to get. if your company is matching, that's enormous. if you can do more than that, that's fabulous as well. because most people are not putting away enough for retirement. so you want to amp yourself up to the point where you're really maxing out. >> your third tip, pay down high rate debts. this is one i think that everybody under estimates. get rid of debt. >> particularly high interest rate credit card debt. tackle them in order of interest rates. if you've got debt at 30%, 25 and 30, pay the minimums on the rest and roll the money into others. you want to work on things like cutting interest rates, calling your credit card companies and if you can't make the payments, ask them to put you on their hardship plans which will knock