I’m 40 And Haven’t Started Saving For Retirement. Is It Too Late?

Ideally, saving for retirement is something you start as soon as you start your career. But that’s not always possible. For a lot of people, cash flow just doesn’t allow for substantial savings earlier in life. Maybe you were paying off student debt, or funding a wedding, or simply trying to get by with the high costs of housing, childcare, and life in general.

The first thing I want you to know is this: it is never too late. Starting now means setting savings goals that are realistic for your timeline. Here’s how to get started.