Quick coffee break reality check: the average 56-year-old American has about $245K in their 401(k), but most folks have less. Life happens—job changes, time off, or market dips can throw off your savings game. The real hack? Consistency. Even small, steady contributions (especially with employer matches) can move the needle. If you’re behind, don’t panic—tweak your plan, up your savings if you can, and remember: it’s never too late to catch up! #Business #MakeMoney #RetirementPlanning