, it is never too early to start. However, the last decade or so before you reach retirement age can be especially critical.
If you discover that you are behind on your savings goals and need to put more money away, the conventional recommendations are to maximize annual contributions to your workplace retirement account and contribute to a traditional orDon't give in to lifestyle creep Personal Finance Insider's guide to financial planners is free for Business Insider Premium subscribers
Given that, working professionals in their 50s have to pay very close attention to their spending, as some tend to succumb to "I deserve" or "I've always wanted" syndrome just as they're hitting that earnings peak. That's the tendency of people to buy the things they've always wanted but couldn't afford up until now, like the big house and furniture to fill it, a fancy car, designer clothing, and other luxuries to feel good.
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