• I’m bearing down on 50 and have hardly saved at all. Isn’t it just too late for me?

It is never too late to take control of your situation.  You may struggle to achieve the exact retirement you hoped for at the time you hoped to do it.  But let’s make sure you get on track to meet your basic needs now!  It will give you a great sense of relief to be traveling down a defined path, even if you started later than you would have wanted.  You can’t look back.  It’s what you do today that’s important.