I'm 41 and i need some financial advice please. I contribute 6% to my 401K and my employer matches 3%. Not much i know but that is all i can do right now. I want a brighter financial future. I want a comfortable retirement. What is the single most important thing i can do right now to make that happen? I am new here but have been lurking long enought to know how smart you people are. Please give me some advice Joyfulguy. Thanks I know i waited kind of late in the game but tell me i didn't wait to long.