A 69-year-old who didn't pay attention to his savings until 20 years before retirement shares the advice he'd give his younger self about preparing for the future

'Invest as early as you can and put away whatever you can afford,' says a man who's four years into retirement

David Fisher, a 69-year-old retiree living in New York, would tell his 35-year-old self to invest and save more for retirement. While he was passively saving through his employer's 403b program, he didn't start actively saving beyond his employer's contribution until his 40s. He put in a lot of work once he took a more hands-on approach to retirement, working overtime to pay off his home at age 56, pouring extra cash into his 403b, and building a separate cash nest egg.

David Fisher, a 69-year-old retiree living in New York, would tell his 35-year-old self to invest and save more for retirement. While he was passively saving through his employer's 403b program, he didn't start actively saving beyond his employer's contribution until his 40s. He put in a lot of work once he took a more hands-on approach to retirement, working overtime to pay off his home at age 56, pouring extra cash into his 403b, and building a separate cash nest egg.

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