I’m late to the game & it’s my fault. I kept putting off starting a 401k because I didn’t expect to be at my job a long time. Well long story short I’ve been there 20 years. I finally started a 401k but now I really need to get serious about investing because I don’t want to end up a senior that HAS to work. I have a few of those at my job & I feel so bad for them & also don’t want to end up like that. So have the 401k through my job & want to start a Roth IRA in my own. I have a lot of savings in a regular bank account so I’m going to max it out. At my age, probably in s&p 500 etfs & other safe funds/stocks.
My question is, do you think I have enough time to end up with a decent retirement or am
I pretty much up the creek without a paddle? Thanks for any insight in advance.