It’s optimal to start saving for your retirement in your 20s and early 30s, but if you're just getting started in your 50s, it won't do any good to cry over spilled milk. A 51-year-old has no retirement and turned to Reddit (NYSE:RDDT) for advice. "I have $36,000 in my 401(k)," the 51-year-old said. "I'm guessing I'll have$250,000 when I retire." Several Redditors shared their advice in the comments. Don't Miss: Build An Emergency Fund The 51-year-old has a history of contributing to a 401(k) and ha ...