At this point, retirement isn't a far-off goal you'll worry about someday when you're ready for your second hip replacement. Unless you plan to work until you drop, retirement is staring you in the face.
That means it's time to get deadly serious about saving, especially if you haven't saved enough. And that's true for most people: Nearly a third of Americans age 55 and older have saved less than $10,000 for retirement, according to the Employee Benefit Research Institute. Only 22% have saved $250,000 or more.
With any luck, though, these are still your prime earning years, and some of your major expenses -- such as a down payment on a home and college tuition -- are behind you. "With our clients, the last ten years that they work is when they save the most money," says Mark Bass, a certified financial planner in Lubbock, Tex. To make sure you're on track, don't hesitate to seek help from a financial planner or use the many resources available on the Internet.
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: 5 Costly Retirement Surprises 10 Things You Must Know About Social Security 10 Most Tax-Friendly States for Retirees The opinions expressed are solely those of the author and do not necessarily reflect the views of Comcast.