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margin: 0; border: 0;"> <script type="text/javascript">cnnad_createAd("76f1cd1e899765aa","https://web.archive.org/web/20130423232342/http://ads.cnn.com/html.ng/site=cnn_money&cnn_money_brand=money&cnn_money_position=728x90_top&cnn_money_rollup=personal_finance&cnn_money_section=build_wealth&params.styles=fs&page.allowcompete=no","","");</script> </div> </div> <div class="cnnCol_main"> <div id="101-ways-build-wealth_04152013" class="gal_slide"> <div class="hed_side"> <a href="/web/20130423232342/http://money.cnn.com/magazines/moneymag/"> <div class="source moneymag"></div> </a> <div class="cmmtcount"> <a href="/web/20130423232342/http://money.cnn.com/gallery/pf/2013/04/15/building-wealth-45-to-54.moneymag/index.html" class="money-social money-get-comments"></a> <a href="#comments">comments</a> </div> </div> <div class="hedbyline"> <div class="breadcrumb"> <a href="/web/20130423232342/http://money.cnn.com/magazines/moneymag/101-ways-build-wealth/">101 WAYS TO BUILD WEALTH</a> </div> <h1><a href="/web/20130423232342/http://money.cnn.com/gallery/pf/2013/04/15/building-wealth-45-to-54.moneymag/index.html">Building wealth: Best moves if you're 45 to 54</a></h1> <h2>Money magazine's <i>101 Ways to Build Wealth</i> package offers blueprints for the different stages of your life on how to achieve real financial security. In tips #53 through #77, we offer advice for 45- to 54-year-olds.</h2> </div> <div class="clearFloat"></div> <div class="header"> <div class="slidehed"> Start saving for future expenses </div> <div class="pagination"> <div class="label">1 of 7</div> <a href="/web/20130423232342/http://money.cnn.com/gallery/pf/2013/04/15/building-wealth-45-to-54.moneymag/jump.html" class="btn_back"></a> <a href="/web/20130423232342/http://money.cnn.com/gallery/pf/2013/04/15/building-wealth-45-to-54.moneymag/2.html" class="btn_next"></a> </div> <div class="clearFloat"></div> </div> <div class="body"> <div style="width:620px;" class="slideimg "> <img src="https://web.archive.org/web/20130423232342im_/http://i2.cdn.turner.com/money/dam/assets/130410145339-target-mix-age-50-620xb.png" width="620" height="459" alt="target mix age 50" border="0"/> </div>   <p>During your peak earning years, you need to ramp up your retirement savings and fight the instinct to spend it. </p> <p><strong>53. Look into your future.</strong> Don't let your energy flag now. </p> <p>To stay motivated to save, envision yourself in 20 or 30 years. Researchers Daniel Bartels of Columbia University and Oleg Urminsky of the University of Chicago found that people who feel connected to their future self are more willing to wait for a reward. </p> <p>You can create an aged picture of yourself at Merrill Edge's FaceRetirement.com.</p> <p><strong>5</strong><strong>4</strong><strong>. Expect to splurge. </strong>In one test, people spent 79% more on special outlays like birthdays than they had forecast.</p> <p>The study, by Abigail Sussman of Princeton and Adam Alter of New York University, found ordinary costs easier to predict. Create an "extras" category in your budget.</p> <p><a href="/web/20130423232342/http://money.cnn.com/gallery/pf/2013/04/15/building-wealth-45-to-54.moneymag/2.html" class="next">NEXT: Turn a max salary into max savings</a><br></p> </div> <div class="clearFloat"></div> <div class="cnnDateStamp"> <span class="byline"> By Carla Fried, Paul J. Lim, Ismat Sarah Mangla, Donna Rosato and Penelope Wang </span> <a href="https://web.archive.org/web/20130423232342/https://twitter.com/intent/user?screen_name=money" class="soc-twtname">@Money</a> - Last updated April 17 2013 05:24 PM ET</div> <div class="clearFloat"></div> </div> <div id="quigo628"><div id="ad-356491" align="center" style="padding: 0; margin: 0; border: 0;"><script type="text/javascript"> cnnad_createAd("356491","https://web.archive.org/web/20130423232342/http://ads.cnn.com/html.ng/site=cnn_money&cnn_money_position=628x215_bot&cnn_money_rollup=personal_finance&cnn_money_section=quigo&cnn_money_subsection=galleries&page.allowcompete=no&params.styles=fs&page.allowcompete=yes","215","628"); </script></div></div> <div id="taboola-autosized-generated-2r-new"></div> <div id="OB_div"></div> <a name="comments"></a> <div class="mod-disqus"> <div class="boxHeading">Join the Conversation</div> <div id="ad-844980" align="center" style="padding: 0; margin: 0; border: 0;"><script type="text/javascript"> cnnad_createAd("844980","https://web.archive.org/web/20130423232342/http://ads.cnn.com/html.ng/site=cnn_money&cnn_money_position=620x60_mid&cnn_money_rollup=personal_finance&cnn_money_section=social_media&cnn_money_subsection=commenting&page.allowcompete=no&params.styles=fs&page.allowcompete=yes","60","620"); </script></div> <div id="disqus_thread"></div> </div> </div> <div class="cnnCol_side"> <div class="mod-spFeatstories"> <div class="boxHeading"><a href="https://web.archive.org/web/20130423232342/http://money.cnn.com/magazines/moneymag/101-ways-build-wealth/">101 Ways to Build Wealth</a></div> <div class="summaryBlock"> <a href="/web/20130423232342/http://money.cnn.com/gallery/pf/2013/04/15/building-wealth-young-adults.moneymag/index.html" class="summaryImg"> <img src="https://web.archive.org/web/20130423232342im_/http://i2.cdn.turner.com/money/dam/assets/130410133610-wealth-25-to-34-120x90.jpg" width="120" height="90" alt="Best moves if you're 25 to 34" border="0"/> </a> <div class="cnnHeadline"> <a href="/web/20130423232342/http://money.cnn.com/gallery/pf/2013/04/15/building-wealth-young-adults.moneymag/index.html"> Best moves if you're 25 to 34 </a> </div> <p class="cnnBlurbTxt"> Just starting out? Now's the time to create a solid plan for investing and saving. <br/> </p> </div> <div class="galleryHeadline "> <div class="cnnHeadline"> <a href="/web/20130423232342/http://money.cnn.com/gallery/pf/2013/04/15/building-wealth-35-to-44.moneymag/index.html"> Best moves if you're 35 to 44 </a> </a> </div> </div> <div class="galleryHeadline lastItem"> <div class="cnnHeadline"> <a href="/web/20130423232342/http://money.cnn.com/gallery/pf/2013/04/15/building-wealth-54-to-65.moneymag/index.html"> Best moves if you're 55 to 64 </a> </a> </div> </div> </div> <div id="adsquare"> <div id="ad-315c018983fde82a" align="center" style="padding: 0; margin: 0; border: 0;"> <script type="text/javascript">cnnad_createAd("315c018983fde82a","https://web.archive.org/web/20130423232342/http://ads.cnn.com/html.ng/site=cnn_money&cnn_money_brand=money&cnn_money_position=336x280_rgt&cnn_money_rollup=personal_finance&cnn_money_section=build_wealth&params.styles=fs&page.allowcompete=no","","");</script> </div> 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<option value="2000000">$2M</option> <option value="2250000">$2.25M</option> <option value="2500000">$2.5M</option> <option value="2750000">$2.75M</option> <option value="3000000">$3M</option> <option value="3500000">$3.5M</option> <option value="4000000">$4M</option> <option value="5000000">$5M</option> <option value="10000000">$10M</option> <option value="20000000">$20M</option> </select> <label for="max_price">to</label> <select name="max_price" id="max_price"> <option value="10000">$10,000</option> <option value="20000">$20,000</option> <option value="30000">$30,000</option> <option value="50000">$50,000</option> <option value="100000">$100,000</option> <option value="130000">$130,000</option> <option value="150000">$150,000</option> <option value="200000">$200,000</option> <option value="250000">$250,000</option> <option value="300000">$300,000</option> <option value="350000">$350,000</option> <option value="400000">$400,000</option> <option value="450000">$450,000</option> <option value="500000">$500,000</option> <option value="550000">$550,000</option> <option value="600000">$600,000</option> <option value="650000">$650,000</option> <option value="700000">$700,000</option> <option value="750000">$750,000</option> <option value="800000">$800,000</option> <option value="850000">$850,000</option> <option value="900000">$900,000</option> <option value="950000">$950,000</option> <option value="1000000">$1M</option> <option value="1100000">$1.1M</option> <option value="1200000">$1.2M</option> <option value="1250000">$1.25M</option> <option value="1400000">$1.4M</option> <option value="1500000">$1.5M</option> <option value="1600000">$1.6M</option> <option value="1700000">$1.7M</option> <option value="1750000">$1.75M</option> <option value="1800000">$1.8M</option> <option value="1900000">$1.9M</option> <option value="2000000">$2M</option> <option value="2250000">$2.25M</option> <option value="2500000">$2.5M</option> <option value="2750000">$2.75M</option> <option value="3000000">$3M</option> <option value="3500000">$3.5M</option> <option value="4000000">$4M</option> <option value="5000000">$5M</option> <option value="10000000">$10M</option> <option value="20000000">$20M</option> <option selected="selected" value="">Max</option> </select> </div> </li> </ul> <div class="clearFloat"></div> </li> <li> Property Type <div class="truliaWidgetsubbody"> <select name="type" id="type"> <option value="" selected="selected">Any type</option> <option value="single-family">Single-Family Home</option> <option value="condo">Condo</option> <option value="townhouse">Townhome</option> <option value="coop">Coop</option> <option value="apartment">Apartment</option> <option value="loft">Loft</option> <option value="tic">TIC</option> <option value="apartment,condo,townhouse">Apt/Condo/Twnhm</option> <option value="mobile">Mobile/Manufactured</option> <option value="farm">Farm/Ranch</option> <option value="lot">Lot/Land</option> <option value="multifamily">Multi-Family Home</option> <option value="investment">Income/Investment</option> <option value="houseboat">Houseboat</option> <option value="unspecified">Unspecified</option> </select> <input name="button" type="image" id="searchButton" src="https://web.archive.org/web/20130423232342im_/http://i2.cdn.turner.com/money/.element/img/2.0/buttons/button_search.gif" onmouseover="this.src='https://web.archive.org/web/20130423232342/http://i2.cdn.turner.com/money/.element/img/2.0/buttons/button_search_blue.gif'" onmouseout="this.src='https://web.archive.org/web/20130423232342/http://i2.cdn.turner.com/money/.element/img/2.0/buttons/button_search.gif'"/> </div> </li> <li class="lastItem"> Find a home in: <br/> <a href="https://web.archive.org/web/20130423232342/http://realestate.money.cnn.com/NY/New_York/" target="_blank">New York</a> | <a href="https://web.archive.org/web/20130423232342/http://realestate.money.cnn.com/GA/Atlanta/" target="_blank">Atlanta</a> | <a href="https://web.archive.org/web/20130423232342/http://realestate.money.cnn.com/IL/Chicago/" target="_blank">Chicago</a> | <a href="https://web.archive.org/web/20130423232342/http://realestate.money.cnn.com/CA/Los_Angeles/" target="_blank">Los Angeles</a> <br/> <a href="https://web.archive.org/web/20130423232342/http://realestate.money.cnn.com/DC/Washington/" target="_blank">Washington D.C</a> | <a href="https://web.archive.org/web/20130423232342/http://realestate.money.cnn.com/TX/Houston/" target="_blank">Houston</a> | <a href="https://web.archive.org/web/20130423232342/http://realestate.money.cnn.com/PA/Philadelphia/" target="_blank">Philadelphia</a> | <a href="https://web.archive.org/web/20130423232342/http://realestate.money.cnn.com/" target="_blank">More options</a></li> </ul> </form> </div> <div class="mod-mostpop"> <div class="boxHeading">Most Popular</div> <table cellpadding="0" cellspacing="0" border="0"> <tr> <td class="cnnHeadline"><a 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