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And if your employer matches funds, do your best to max out your plan.

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If you havent started saving for retirement, youre not alone.

You could free up hundreds of dollars in interest charges.

Downsize Your Home

Many people choose to downsize their home in retirement.

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But if your children have already grown, it might make sense to downsize in your 40s instead.

Thereal estate marketis still hot in many areas.

Anything you save for retirement can provide a buffer, emergency savings, or cash to enjoy your retirement.

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This could mean staying at your current job or taking onsome side gigsto continue funding your retirement.

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