Think beyond the money
When you're planning and saving for your golden years, don't hesitate to think beyond the money.
Throughout your working life, "Keep your eye on the next job, and prepare so that (your) skills are what employers are seeking," says Rix.
It also doesn't hurt to be a little entrepreneurial, says Martin Yate, author of "Knock 'Em Dead: Secrets and Strategies for Success in an Uncertain World."
If you find something that gives you joy, stick with it, he says. Figure that in time, "I will learn how to make a buck," Yate says. "And in my 50s and 60s, I will either have a little business on the side or be prepared to launch one."
And if your needs and interests change or get refined as the decades go by, that's OK, says Yate.
Whatever your entrepreneurial dreams, you'll be using and sharpening many of the same transferrable skills you use in your "day job," he says. "It will help you be successful."