The best replacement for retirement savings is debt reduction.

The best alternatives to retirement savings are rated as following:
★★★★★  debt reduction
★★★  age
★★  student loans
★★  pay off mortgage
★★  emergency fund
★★  paying off debt
★  college savings
★  down payment
★  paying off mortgage
  credit card debt
  debt

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Scale is based on the average worldwide traffic of retirement savings in all years. Click on graph for more.
retirement savings
debt reduction
age