How To Plan For Retirement In Your 40s? 
Planning for retirement in your 40s is much easier than waiting until you are in your 50s . A great start is to begin contributing monthly and systematically to your 401K -LRB- if available -RRB- and take advantage of all matching provided by your employer . A combination of mutual funds , tax planning and other instruments should be discussed Your best option is working and taking advice with a full-time -LRB- that is critical -RRB- financial planner or broker . They will devise a program that projects what you need to save , and how your risk tolerance must be considered . 