You hit the big 5-Oh and you suddenly remember you forgot to save for your retirement. What happens next? If you're like many, you throw in the towel and resign yourself to working until the day you die.
Things aren't really that bad, but the decade of one's fifties represents the "tomorrow" you kept putting all your financial actions off to while you were just figuring out how to make ends meet in your younger years.
Upon reaching that milestone of 50 years, it's now crystal clear what you should have done (i.e., everything they always told you to do). It's just as not crystal clear where you can go from here.
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