For instance, worrying about the stock market, something you can’t control, is useless, she says. Instead, go to the retirement calculator at ChooseToSave.org and crunch your numbers.
“Then say, ‘All right, what if I saved this much more? What if I work a little longer?’” she says. If you can’t figure out what to do, hire a certified financial advisor, Chatzky advises. “Just have them do an annual assessment, as you would a checkup with your doctor.”