So, you've made a huge mistake. Gone are your 20s, 30s, and 40s. You're, say, 50, and staring down the barrel—you haven't saved any money for retirement.
This is my least favorite time of the year. Some people look forward to the “clean slate” of a new year, with all the potential and possibilities.
People get really stressed out about money. They cry over it. Lose sleep over it. It even makes marriages fall apart.