What do you think? Isn't it too late? I should say, you should be resting and enjoying your life at that age.
At early age of 22-30 you should start doing your own business, because business is also trial and error. Some business work and some business don't. The worst thing is you might lose your retirement fund for nothing.
While you are still working and earning some income, try to save and start your own business. And I'll tell that your GOLD Savings Account is far better than your Retirement Plan or any Plans that you have.
This is the right business at a right time. This works for everyone who are Saving. See the proof by visiting this site www.kyregold.com. Then ADD ME for more information if you are interested in this business.
If you want to start your own business better start it today. It may not be a GOLD Savings Account but start it today, not at the age of 50-65 years old. Remember that business is also trial and error, better to start as early as possible.