How do you spell that? http://inowroclaw.flandria.pl/europeanpharmacynet-1597.pdf#souls iapharma.com  "It's really critical that people not just focus on the one side of paying down debt, but also focus on accumulating some sort of retirement benefit," says Sharon Smith, a vice president of investments for Wells Fargo Advisors. "It is becoming evident that Social Security isn't going to be an adequate source of income for most people on its own. We really need to make sure that people are putting money aside for their own retirement."