Just because you've worked hard and saved for years, don't be complacent--it doesn't mean you can afford to retire.
According to Business Insider, if you haven't upped your savings rate over the years, you may not have saved enough.
That's because the typical 3% people put into their 401(k)s just isn't enough to cut it these days.
Another red flag is that you saved cash over the years, but didn't invest it.
Despite the vagaries of the stock market, investing money is better than stuffing it into a piggy bank.
Finally, if you've made significant early withdrawals from your retirement plan, you're probably years away from retirement.
Preparing for retirement is a matter that requires planning, strategy, and active participation. Seek out professional advice.