Read Ken's comments on retirement posted in USA Today
"If you don't have assets and you have difficulty meeting you monthly bills, it makes it difficult to sit down and plan to save," says Ken Moraif, senior adviser at Money Matters in Plano, Texas. "The fact that you have difficulties and challenges is an even bigger reason why you should have a plan. Until you do that, you will never get out of the circumstances that you are in."
Read the full article here: http://www.usatoday.com/story/money/personalfinance/2013/10/24/retirement-health-care-social-security/3169827/