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Paying off debts with common sense. That’s the platform that Dave Ramsey speaks from on his daily radio talk show. Dave Ramsey is not about debt consolidation or trying some risky formula to get money fast. He is about working and paying off bills slowly but surely. (And no, I’m not calling you Shirley).

Debt consolidation can be one of two things; a loan that is used to consolidate all your debts or a restructuring of all your unsecured debt through a debt counseling agency. A debt consolidation loan requires you to own a home and the debt consolidation loan will be secured with your home.

Retirement? This something I think about quite often. With less that 20 years left until that time comes, I wonder if I have done enough to prepare for that time.

Here are a few things you should to take into consideration when planning for retirement, especially if you are women: