Abstract

It’s never too late to start getting smart about money. Maybe you’ve made it this far with few problems … you’ve done pretty well all alone just by winging it. Good for you. But retirement planning isn’t about the past 30 years of your life — it’s about the next 30. And that’s harder. There are decisions you can’t undo, and mistakes are tougher to recover from when you don’t have a paycheck to back you up.