What financial strategies should I implement in my 40s to prepare for retirement?
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To improve your financial planning, start by setting clear goals, like saving for retirement, a home, or emergency expenses. Create a budget to track your income and spending, and identify areas to cut back. Build an emergency fund with 3-6 months of living expenses. Prioritize paying off high-interest debt, then focus on saving and investing for the future. Review your investments regularly and consider consulting a financial advisor to ensure you’re on track to meet your goals. Consistency and long-term thinking are key!