I'm 39 but just started contributing to a 401(k) account. I have what I call 'retirement planning paralysis.'

Source: Business Insider

The author has always struggled to plan for retirement. Courtesy of Emily AchlerIn my 20s and 30s, I tried to live in the present and ignored retirement planning. Now that I'm about to turn 40, I've started contributing to a 401(k), but I'm behind.

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