My mother-in-law has never invested

Hello everyone, I was talking to my mother-in-law recently. She is currently 50 years old, and she told me that she has never opened a 401(k), IRA, or any type of retirement savings account. She has basically never invested or saved specifically for retirement. I didn’t really know what to tell her because she kept saying that she feels like it’s too late for her to start. I was just wondering what people would normally tell someone in this situation. If someone is 50 and has never invested or s

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