Fact checked by Suzanne Kvilhaug Willie B. Thomas / Getty Images If you're constantly worried about retirement, you're not alone. Key Takeaways For many Americans, peak earning years are between the ages of 45 and 54, and many of them worry about saving enough for retirement. The earlier you start saving for retirement, the more you can benefit from compound interest. Taking advantage of retirement accounts, such as 401(k) plans, and individual retirement accounts is a way to build savings and ease r ...