Remember when you were a kid and thinking about something five years down the road felt like looking at an eternity? Or a few years later, when you were early in your working life, how much time it felt like you had left to deal with retirement?

The speed at which that window shrinks just keeps on accelerating, but even if you find yourself with, say, just five years left before you plan to retire, you can still make serious progress toward setting yourself up financially for the golden years ahead.

Here are four ways that, with some planning and discipline, you can make small changes today that can have large impacts when the time comes to enjoy the fruits of your labor.

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Source Fool.com