Here’s your coffee break money hack: Don’t wait until you’re 60 to think about retirement! More than 40% of folks still don’t have a plan, and Social Security might not save the day. Even if you’re just starting, small steps now—like upping your 401(k) or IRA by 1%—can mean more beach days later. Healthcare and inflation are sneaky spenders, so start your plan today. Your future self will thank you! #Business #MakeMoney #MoneyHacks