I didn't start saving for retirement until my mid-30s and even that was too late. I probably won't ever be able to retire.

I didn't start saving for retirement until my mid-30s and even that was too late. I probably won't ever be able to retire.

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I recently celebrated my 39th birthday, and I've made tremendous strides in managing my personal finances. Still, I'm regularly preoccupied with the thoughts that it's not enough. Not only is it unlikely I'll ever be able to afford a house, but I most likely won't have enough money to retire.

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