Wellness Tip in Your 20s: Start your nest egg, no matter how small

“A lot of times [20-somethings] like to spend and then save what’s left over,” says Daniel Wrenne, a CFP® with Wrenne Financial Planning. “You have to acknowledge that you have to save first—otherwise you’re not going to do it.”

Wellness Tip in Your 30s: Spend for the life you have, not the life you want

Inflate your savings instead of your lifestyle. “If you see the money in your checking account, you end up buying the nicer towels, the nicer car—things that, in the long term, you won’t have much to show for”

Wellness Tip in Your 40s: Build a new plan going forward and monitor your progress

“Usually the 40s is when people realize that they’re either doing pretty good—or they’re way behind and start to get freaked out” But that’s still better than keeping your head in the sand. “Once you’ve admitted to yourself that you need to work on your retirement strategy, ask yourself: What do I need to change? Where can I make improvements?” “Then you can build a new plan going forward and monitor your progress.” http://www.learnvest.com/2015/01/building-money-confidence-by-age/3/

Wellness Tip in Your 50s: Don’t get trapped into retirement as an escape from your job.

Instead, calculate how your retirement income might change based on several age scenarios—and remember that working is still a possibility. Practice” your retirement. Sometimes the idea of retirement is more romantic than the reality. You may think that beachside cottage is for you, but if you’re used to the hustle and bustle of a busy 9-to-5, will you enjoy that investment? Before you decide how you want to spend your golden years, visit the places you’re thinking of moving to, as well as the activities you plan to pursue. How will you spend your time? How will you spend your money? Can you live a simpler life—or do you need your creature comforts?