68% of Middle-Aged and Older Workers Share This Retirement-Planning Regret

It's easy to look back on the financial decisions we've made in the past and kick ourselves for not doing better. But it also pays to learn from the mistakes of those who made them before us.

TD Ameritrade recently asked Americans age 40 to 79 to think back on the ways they could've approached retirement savings differently, and 68% said they wish they'd started socking money away earlier in life.

If you're in your 20s or 30s and have yet to begin contributing to an IRA or 401(k), you'd be wise to take the advice of your elders and start carving out money for the future. Wait too long, and there's a good chance you'll come up short.

Source Fool.com