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Learn why age 40 is an important deadline to get serious about investing for retirement. Why is 40 so important? You may be familiar with my Wealth Heiress book's Wealth Building Formula (McT)™. The formula is comprised of 3 parts, which are the 3 parts to wealth building or, in this case, having a comfortable retirement.  M = Money, or how much money you have to invest. C = Compounding, or what rate of return you are compounding at. T = Time, or the amount of years you have to invest (until retirement). Let's say you got a late start saving for retirement. To make up for it you have only 3 choices (McT again): 1. M = You can save and contribute more money to your retirement plan, or 2. C = You can invest better and earn a higher rate of return, or 3. T = You can work longer and retire later. Let's analyze your choices. You are already saving as much as you can, so #1 is out. You would rather retire sooner than later, so #3 is not ideal. Nobody want to do this, yet that's exactly what your default choice wil