In your 50s and later, you are fine-tuning your plan for retirement. Take advantage of catch-up contributions in employer plans and Roth IRAs.
The 40s is the first time you might not feel broke – and your accounts have had decades to grow, if you started investing, and should be close to reaching a critical mass (if they haven’t already).
You might not have a lot of extra money or time in your 30s – but contributing to retirement accounts should be a priority. Here’s how to think about which accounts to prioritize in your 30s.