What you do about your money when you are 30, 40, or 50 will determine whether you can retire comfortably at 60, 65, or 70. Ideally, the wise or foresighted individual will begin to save regularly at age 30, putting aside as much money as he or she can, month after month and year after year, for 30 or 35 years. Then, if the financial markets do what they have done for the last 50 years, the saver will reach retirement age with a sizable pot of money — enough to pay for a comfortable retirement, even if it lasts for 20 or 25 years.

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