I'm 39 and haven't started saving for retirement yet. This is fine, right? At what age should someone start getting serious about saving for retirement? I'm sure I'm getting close to it.

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You should be starting literally today

I mean, I don't know if it's necessarily ideal. I spent a lot of my 20s in debt and had to work extra hard to pay off my student loans. So I definitely got a late start as well. But I think we have to work even harder to catch up because we probably should've started in our early 20s…

At 39, you still have a solid two decades to benefit from compounding, if you stay consistent. But I wouldn’t recommend waiting until after 45 to start making serious contributions. The longer you delay, the more aggressively you'll need to save to catch up.

Yes start now. You are behind the rest but it’s not toonlate

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