I like this one
http://cgi.money.cnn.com/tools/retirementplanner/...

I like to play around with the calculators first and try to figure out where I want to go with that. Hope it helps.

Thanks Joe. There really isn't any excuse. I have been at a point in my life when I could only put away a few dollars a paycheck and others when I can put away 8-10% of my salary. I know what its like to be in a difficult situation and have retirement planning at the bottom of the priority list when you have limited income or are in debt. The point is to do something and do it soon. Start with what you can and take it from there. Thanks for your post.

Trisha,
That was a great debt-reducing move (and a perfect example) by switching your cell phone. It’s amazing how much we can save when we cut spending here and there. Imagine how much more we could save if we really analyzed our lives and cut out all the things that aren't really necessities. Being debt free and adjusting our spending doesn't mean we can't have the things we want; on the contrary, it means we will have more money to spend on the things we REALLY need and want.

Look out for more articles on debt, retirement, savings, and much more! Thanks for the post, I enjoyed reading it.