We started working on our excessive debt back in 2006. Not like we were not paying things down before, but we were on the slide at that time. By the time 2008 rolled around and things crashed, we were already had a plan in place. That plan has been revised so many times since, but it's working.
52 seems a little early to be really considering retirement, but I feel like we should be establishing a plan. Sure it's going to change 1, 10, 1000 times before actual retirement. In fact, I don't even know what retirement will look like. I might be working part time. I still feel that we should be working on a base plan. My wife is 54 and just can't wrap her head around starting to plan. She tells me there is nothing we can right now other pay down the debts. She has given me a soft ok about a travel trailer when we get three of a major payments taken care of.