Your retirement should be a primary financial focus for your family once your kids leave the house. Most Americans are far behind where they should be for retirement savings.
"As a percentage of your income, you should likely be saving more than at any other point in your career," Waring explains. "Your net worth is probably the highest it has ever been, but to meet your retirement needs, you will likely need to save more than the maximum that you can contribute to your retirement accounts."
Check in on your retirement balances and compare to your projected needs in retirement. Also, remember that most people are going to have ample health expenses in retirement. You can better ensure a comfortable retirement by focusing on your savings goals now.