Set a pattern and start saving on a regular basis. A little bit of every pay goes a long way. You ll be amazed at how your savings will increase over time. Too Late . You need to understand basic investment terms and what they mean to you.
Education is the key.
The more you know, the better choices and decisions you can make. Make money management a routine of your life. Make retirement a top priority. Increase your contributions to your qualified retirement plan if your employer has one. Understand and become comfortable with the concept of risk and consider investing a portion of your money more aggressively for growth.