Catch up, if you can
If your retirement savings are well below where they should be, take some drastic steps to beef them up. The earlier you do this, the longer your money can grow for you. You might take on a second job for a few years, or regularly do some extra work on the side, such as tutoring or giving music or language lessons. You could take in a boarder for a while or rent out a room on Airbnb now and then. These may not be appealing ideas, but they can make a big difference.