Just because you've worked hard and saved for years, don't be complacent--it doesn't mean you can afford to retire.<br />According to Business Insider, if you haven't upped your savings rate over the years, you may not have saved enough.<br />That's because the typical 3% people put into their 401(k)s just isn't enough to cut it these days.<br />Another red flag is that you saved cash over the years, but didn't invest it.<br />Despite the vagaries of the stock market, investing money is better than stuffing it into a piggy bank.<br />Finally, if you've made significant early withdrawals from your retirement plan, you're probably years away from retirement.<br />Preparing for retirement is a matter that requires planning, strategy, and active participation. Seek out professional advice.
