Re: 50's = MakeorBreak
i mostly pretty much always saved, not so much because i was financially astute but more because i simply wasn't a spender and ya gotta put the money someplace.
earlier in life the only time i saved towards a goal was the purchase of my home. i lost what i saved in recovery from a bad construction accident. saved again. bought home. later i saved towards my first vertible. lost that what i saved to my wolfpuppy's operations. saved again. bought a vertible.
i never consciously saved towards retirement. it is only by chance and being cheap that i saved enough to retire before inheritance. but i have a friend who just turned 50 who has saved about $100k so far and is now awakening to her need to step up savings. she is hoping to retire by 60 and fortunately just discovered a really good profit sharing plan (with an excellent company) in which she participates but didn't know it. i think she'll make it by 60, or certainly she will be in very good shape at 65. her mom is 85 and still in good shape so i think my friend will do well even though she's only getting serious now.
"off with their heads"~~dr. joseph-ignace guillotin
"life should begin with age and its privileges and accumulations, and end with youth and its capacity to splendidly enjoy such advantages."~~mark twain - letter to edward kimmitt 1901