The key to retiring wealthy is to save early and save often. If you waited until late in your career, you have a lot of work to do, and you may not be able to catch up to your younger colleagues. Still, less money than you want is much, much better than having nothing. Crunch the numbers and formulate a plan. Set realistic expectations of where you can be, devise a plan to get there, and follow through. If you haven’t started contributing to a retirement plan, start today!