Most people wake up to the reality of retirement planning only in their 40s. By then, the nest egg often looks slimmer than what early savers manage to build. The reasons vary: retirement may have felt too distant, incomes may have been modest, responsibilities too many, or past financial mistakes might have erased earlier savings. If this sounds familiar, don’t despair. Yes, you’ve missed out on the early compounding years, but you haven’t missed the bus. With discipline, some lifestyle pruning and a willingness to recalibrate your retirement expectations, you can still get your plan back on track. If you are ready to do all this, you may have a good chance of retiring the way you always wanted. With only 12–15 years left, the lever that matters most now is how much you save, not th

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