Does anyone actually feel like they are on track for their retirement/401k goals? I know I’m not and it’s kind of discouraging.

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I would say I am heading there right now. It’s never too late to start. I know it’s hard staying on track especially when we all have bills and debt to pay off. I also know a lot of people that haven’t even started saving for retirement.

Oh dear god no! My retirement account is bone dry. I’m turning 40 next year and I don’t know if retirement is a realistic goal for me. Like at all!

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