Your 50s are pivotal years. You are near enough to retirement to feel its hot breath on your neck, and that can be a good thing. It sharpens your focus at a time when you may still have 10 or 15 years of work left, so there’s time to fatten your savings and watch the money grow. At this point, too, you may have been doing a job or honing a skill for long enough to feel a delicious sense of mastery…
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