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Quarterbacks often call audibles when they get to the line of scrimmage and see what the other team's defense is doing. You need to be just as flexible. Interest rates, inflation and rates of return can be very volatile. Be sure to watch what's happening and make adjustments accordingly.
It’s not over until it's over
The Super Bowl isn't over until it's over. Teams have actually come from behind and won in the last few seconds. If you're in your 40s or 50s and behind in your retirement savings or haven't even started, don't despair. You will have some hard work ahead just as would a football team that's three points down with one minute left to play. But it’s still possible to have a decent retirement. The key is to start right now even if you can invest only a small amount of money.
If you have a problem saving money
It can take a fair amount of self-discipline to put money away every month. If you have a problem with this, there are things you could do. For example, you could have an automatic withdrawal made from every paycheck with the money then deposited into a savings or brokerage account. This can make saving easier because it's totally passive – you don't have to do anything. If you would like additional tips on saving money consistently, here’s a helpful video.