How To Plan For Retirement When You Are 50? 
How to plan for retirement when you are 50 ? First thing is look at your debt , is there anything you will be carrying into retirement ? Is there anything you can rid yourself of in the next few years ? At 50 , if you 're just getting started planning for retirement you will have to change your ways considerably because you 're getting what amounts to a late start . Look at where and how you spend money . Then if you have n't done so , take a portion of your income and start setting it aside for the future . There are many qualified plans you can use that are either employer sponsored or individual planned . Find one , start using one . What you 've lost at 50 is time . Time is very hard to replace , it requires disipline and consistentcy . Both are possible at 50 . 