It is never too late to start saving for retirement. Putting money away for retirement is a habit we can live with. Always remember.. saving matters! You know saving is a rewarding habit. Thank goodness my employer offers me a retirement savings plan, and I will never touch that until I'll retire. One key step you can take to improve your financial future is saving for your retirement. There are many option to save like fixed immediate annuity. Annuities can be a very good way of saving money and securing post retirement benefits. Buying an annuity is one of the biggest financial decisions of your life, so make sure you get the best deal.