Catch up if you can
IRAs, 401(k)s, and HSAs all offer the ability to make special catch-up contributions once you reach a certain age. Those over 50 can add $1,000 to the maximum IRA contribution and $6,000 to the maximum 401(k) contribution, while those over 55 can add another $1,000 to their HSAs as well. This perk is designed to help you make up for lost time as you near retirement age, so take advantage of it if you can.