" .......Miller says she and her husband could have made more money if they had left it in growth funds. Likewise, she invested in rental properties, which she thought could be an easy source of income but weren’t.

It wasn’t until she was in her 50s that she and her husband finally turned to a certified financial planner to help with investments, she says.

“In your 50s, you have enough maturity and experience to know you need help,” says Miller......"