Read? Self-made millionaire: Don’t buy into the idea that ’70 is the new retirement age’

Rather than planning on working longer to set yourself up for your golden years, start saving more money now, he says: “The way you get the best return on retirement — I call this ROR — is you save, save, save, save, save … And you retire in your early 60s, able to afford it, and then you really go have the best years of your life.”

Settling down in your 60s means “having the energy to finally do what you want to do when you want to do it,” says Bach. “Will you have energy at 75? Yes, you will. But guess what? …