Almost There: What To Do 10 Years, 5 Years And 1 Year Before Retirement There’s a sweet spot when it comes to retirement planning, and it usually starts about 10 years before you plan to stop working. That’s the point when you’re close enough to retirement to know what you want your life to look like, yet far enough away that there’s still time to adjust your strategy if you find you’re not as financially ready as you’d like to be.
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