 Regularly saving small amounts of money is the first step to a comfortable retirement. I think what we're trying to say here is that it's really important again for our service members and their families to live within their means and in order to do that you have to have a budget, you have to be disciplined and you really have to want to understand that having a debt load hurts your credit scores, hurts your ability to move forward, hurts just so many things that we just want to make sure that people understand that it is under their control with support. Meet with a financial counselor at your Fleet and Family Support Center to find out how to financially prepare for your future. From the Defense Media Activity, I'm Petty Officer Tony Rosa.