Thanks to compounding interest, those who begin saving early in their careers can reach retirement with far more money than those who delay. Furthermore, and adding insult to injury, the early-birds often don't need to have saved nearly as much money as those who wait. Don't blame anyone - it's just the way the numbers work.
I was thinking about this the other day and began to wonder about my readership here. After all, I suspect this is a pretty motivated group - choosing to read a retirement planning blog and, perhaps, subscribing to my newsletter. But who are you, really? Are you an individual who is trying to play catch-up and sees knowledge as a way to shorten the time needed to close the gap (it should) or are you some over-motivated person well on his or her way thanks to an early start but seeking guidance to ensure you don't go astray (also a noble cause).