If you’re a 40-year-old with less than $120K in your 401(k), don’t panic—there’s still time to catch up. The real fix? Audit your spending, cut the clutter (those unused subscriptions, that underused gym membership), and stop beating yourself up. Focus on what you can control: boost contributions, lean into employer matches, invest more in stocks (you’ve got time!), and slash fees. Your future self will thank you.

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