
I’m 53 and just had my financial wake-up call. Despite making six figures for the last decade, I have less than $200k saved for retirement. Why? Because I spent my 30s and 40s convinced I had “more important things” to do with my money.
I maxed out my house budget because “real estate is the best investment.” I leased new cars every 3 years because “I work hard and deserve nice things.” I took lavish vacations because “you only live once.” Meanwhile, I contributed just enough to my 401k to get the employer match (3%) and thought I was being responsible.









