Preparing for retirement should create excitement, not concern.

According to the Employee Benefit Research Institute, 36 percent of employees have almost no retirement savings. 

If you don't have as much saved as you should, there are ways to contribute more now to have enough later.​
It’s by managing your finances that you write the story of your life. You are both the author and the story’s principal character. Resolve to perform what you ought.

 Benjamin Franklin