There is no need to panic!
Many people do not realise that they are in financial trouble until they are ten or fifteen years away f rom retirement. Realising that you don’t have any retirement savings is a step in the right direction. After realising your predicament, do not panic and give up on doing anything because of the thought that it is too late to start saving. There is still time – maybe not too much, but there is still time. The way to make the most of the time there is left to you is to remain calm and think clearly and determine proper steps that need to be taken.
Try and broaden your knowledge by doing research either by reading relevant articles and i nteracting with knowledgeable people in the field, and get yourself a qualified financial adviser as soon as possible.