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The earlier you start saving, the better off you'll be at retirement.  But does that mean all is lost if you don't start putting away a 'golden age' fund until you're in your 30's?

Certified Financial Planner Shane Stewart of DMBA has the answers and tips to help you catch up if you're behind in for your retirement years.

You can follow this show on Twitter @MoneyMakingSens and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.

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