What financial steps should I take to secure my future and retirement?
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and then
To build wealth at 45, start by assessing your financial situation and setting clear goals. Focus on saving and investing for retirement, such as contributing to a 401(k) or IRA. Diversify your investments in stocks, bonds, or real estate to reduce risk. Pay off high-interest debt to free up more for saving. Create an emergency fund with 3-6 months of expenses. Consider working with a financial advisor to optimize your strategy, plan for future expenses, and make smart decisions to secure your financial future.