As a certified financial planner, I can't stress this enough: It's never too late to put your money to work for you. An IRA is an especially good move if you've changed jobs and your new employer doesn't have a retirement plan. The Federal Reserve reports that 25% of non-retired Americans don't have retirement savings or a pension. Fund your HSAPeople are quick to tell you to max out your retirement savings. Just because you don't plan to get sick doesn't mean it won't happen to you.

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