For many federal employees the process of planning to retire focuses largely on calculating their CSRS or FERS retirement annuity and other benefits in order to get an outlook on what's in store financially in retirement years.

And, financial advisers nearly always focus on how much someone should be saving (such as in the Thrift Savings Plan).  

But, as retirement expert Mark Miller explains, "know this, too: You'd also better start whittling down your pre-retirement debt, especially your credit cards and mortgage."

Miller warns on MoneyWatch.com that "pre-retirees today are carrying unprecedented levels of debt, which could become a big problem for them when they're ready to stop working. "

Click here to read his full column which included a helpful crash course on how to reduce your debt.

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