1. AvatarGary @ SuperSavingTips says

    It is scary how many people wait until their 40’s and 50’s to start saving for retirement, but better late than never. I think it requires a lot of focus to catch up, and lifestyle adjustments will definitely help move that along. Insurance is also important, as you never know what might set you back, but I would include disability insurance as well. If you’re forced to stop working for health reasons, you’re going to need immediate assistance to carry you through.