 it is so important as you embark on the retirement journey look when you're 30 and you're 40 you don't i'm not saying you don't need one but the most important thing at that point is to control your spending and ramp up your savings slash investing but when we're 55 plus it's time to get serious about your money making sure it's in the right place making sure you have the right investments making sure you have the right tax plan making you sure you save enough