Ultimately, if you want a secure retirement, says Orman, start thinking about how you can prepare now to work longer later: "Every dollar you don't spend in your 60s is a dollar that can keep growing for your 70s and beyond. So I want each and every one of you to make working until 70 (or later) your goal."
And, if you're not doing so already, put your money to work.
Having a comfortable retirement is all about using compound interest now, Orman said at Miami's eMerge conference in June: "You invest money and your money makes money, and the money you made with the money that you had makes money, and everything compounds."
Orman explained that if a 25-year-old puts $100 into a Roth IRA each month, they could have $1 million by retirement. But if that same person waits 10 years to start investing, they'll end up with only $300,000.
Waiting means blowing hundreds of thousands of dollars that could be made by simply letting your money sit and accumulate interest.
The bottom line: Don't put retirement on the back burner. Doing so may push your end date back even more.
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