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Whether your retirement unfolds as a beautiful dream or a scary nightmare depends largely on the financial decisions you make today. But if retirement planning is brand-new to you, you're not alone. The average working household has very little cash saved for retirement and about 45% of working-age households have no retirement savings at all, according to the National Institute on Retirement Security. However, you still have time this year to start building a retirement fund and gain a tax advantage in the process.

If you’re up to your eyeballs in debt, the one thing you may wish for more than anything else is a blank slate. If you had a chance to wipe your slate clean and start over, things would be different. Of course, barring a winning lottery ticket, nothing is going to make that much of a change overnight.

There is no such thing as exceptional or perfect FICO credit score. Sure, a higher credit score will qualify you for some of the lowest possible interest rates. This applies to easy home loans, credit cards, personal loans, auto loans, etc.