Whatever your age, it's crucial to organize your plans for retirement now and to put them into action without delay.

Consider this:

Just to maintain your same standard of living during retirement, you'll need as much as 80% of your final annual income for every year you're retired.

And, to be on the safe side when you plan, it would be wise to count less on Social Security and other government support and rely more on your own efforts for financial security in retirement.