Information contained s proprietary, confidential and non-public and is not for public release. Easy steps to get started: • Pay down highest interest debt first • Keep saving for retirement and don’t dip into that savings to pay off your debt • Use cash for everyday purchases • Be disciplined with credit cards • Use good debt but stay away from bad debt How would life change for you if you were debt-free? Knowing where to start is important to reducing and eliminating debt. Tip 3: Pay down your debt