Most retirement shortfalls are not caused by bad markets. They result from repeated behaviors, such as saving too little, misjudging risk, misusing tax-advantaged accounts, and failing to adjust contributions as income rises.
The good news? These mistakes are correctable. You can target changes like securing a higher savings rate, better asset allocations, tax diversification, and adjusting strategies according to your age, any of which can significantly improve your long-term retirement outlook, even if you feel behind.
