Although we may view the elderly population as financially responsible, 76% of retirees suffer from some form of debt. Retirement planning ensures financial independence once you reach retirement age. Finding financially savvy tips for retirement will let you prepare for your future. Keep reading to learn five full-proof retirement ideas. 1. Prioritize Paying Down Debt You should make it a goal to stay 65% debt-free. Before you approach retirement age you should try to pay off lingering credit card debt, mortgage loans, and student loans. By incrementally paying these off you can better secure your financial future. 2. Set Aside an…