save now, save later, but save something for retirement

"It is possible to make 50 trips around the sun and still go nowhere toward planning for retirement. Seems hard to believe, but it happens all the time.


Financial advisers report that many of their middle-aged clients have failed to set aside sufficient money to assure a comfortable life, or anything close to it, after their work is done.

"It's very common, especially among the middle class, because they're torn between paying for life today and saving for retirement," said Susan Hirshman, managing director of JPMorgan Asset Management in New York."

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