By your late 40s, you’ve likely developed the skills to earn and save effectively. But have you mastered how to spend? Your spending habits at this stage can make or break your retirement. Even a solid nest egg or well-designed retirement plan can be undermined by poor spending choices if you don’t adjust early. With that in mind, here are five common money-wasters in your 40s and 50s that you can cut to stay on track toward lasting financial freedom. Must Read 1. Not downsizing once your nest is emp ...