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Prepping for retirement begins on the first day a person is old enough to work. Whether it is investing in a 401(k), HSA or another form of retirement planning vehicle, there is never enough preparation for the inevitable day when one can no longer work and covering expenses will need to come from what has been saved over the course of ones lives.

To assist with this must needed preparation, SUM180, an online financial planning service, has put together 10 ways to make the final 10-to-20 years before retirement really count.