When a co-worker, friend or relative steps away from work, it’s often meaningful for them to receive retirement cards. “Retirement is a bittersweet event in anyone’s life,” says Emilie ...

If your credit card lets you deposit cash back or rewards ... you could grow these small contributions into a sizable sum ...

Once you are free from credit card debt, pay off the complete balance monthly, and maximize perks, but minimize the drain of high interest charges in retirement. 3. Make home improvements.