Thursday’s need-to-know money news

RelationshipToday’s top story: Why Millennials may not be able to retire until their 70s. Also in the news:How to avoid cell phone bill surprises, the pros and cons of taking social security early, and how to calculate if you can refinance your home.

Millennials May Not Be Able To Retire Until Age 73
Crippling student debt could force Millennials to work an extra decade.

How to Avoid Cellphone Gotchas
Don’t let your cellphone become a money pit.

What age is best to start taking Social Security?
The pros and cons of taking social security early.

End-of-Year Tax Planning Tips
It’s never too early to start getting your taxes in order.

How to Figure Out If You Can Refinance Your Home
Two simple ways to calculate refinancing options.