The last five years… to retirement.
Financially, you’ve been sailing along pretty easily. Your income has been covering your costs of living, and you haven’t been too concerned about the future. Or maybe, you’ve been secretly worrying about retirement, but have been too busy to do anything about it. After all, the kids weren’t supposed to have stayed at home so long! Or maybe there finally seems to be an end to that mortgage you’ve been paying off. Suddenly you find yourself in your late fifties (or early sixti