Maybe you managed to pull together a down payment for your first house without some sort of formal savings plan. Many people do.
Maybe you even got your kids through college without any real strategy for how to pay for it. It happens.
So maybe you think you can lick this retirement savings thing, too. Perhaps with a buy-and-hold investment strategy, or simply figuring it out as you go, you’ll hoist yourself over one last financial hurdle before you hit the finish line.