Yes, although occasionally I make a late payment. I try, but I'm usually late with my payments. Yes, my golden years will be just that. I have a plan, but I've only had a little success meeting my goals. I don't have a plan, and I don't know where to begin.
Retirement is too far away to worry about.
I'm covered, but I don't know the details. I have very little coverage. I try to stay very healthy. Yes, I'm using tax deferring and tax reducing techniques. I contribute to retirement plans and IRA's, but not much else.