For most of us, retirement seems like this far-off thing, this thing that will happen to us one day, when we’re old and gray, but not something we really need to worry about now. That kind of thinking is really dangerous though, because as we all know, time goes by quickly- all too quickly.

Sure, you might be young and in the prime of your working game right now, but before you know it, it will be time to start preparing for retirement. And, the truth is, if you haven’t saved enough by that point, you’re going to be in for a rude awakening.

Hopefully, you have already started putting SOME money aside, but if you’re over 35 or so, you really need to be amping up your efforts. Below, we’ll share some tell-tale signs that you’re not preparing for retirement seriously enough, and, if you find that these signs apply to you, it’s definitely time to start taking your retirement planning more seriously.

Sign #1: You Can’t Pay for Out-of-Pocket Medical Expenses Easily

What would happen if you suddenly got sick or needed surgery and had to visit the doctor How would you pay for it? Would you finance it or would you be able to pay for it out of pocket, even if it meant dipping into your retirement savings?

If you fall into the first category, of having to finance it, you’re in trouble! Medical bills are costly, yes, but they’re a reality, a reality you’re probably going to face a lot more often as you near retirement age.

If you’re already struggling and don’t have funds to fall back on for situations like this one, then you definitely need to be more stringent about saving for retirement and about saving in general!

Sign #2: You’re Swimming in Debt

Debt is a serious problem among Americans of all ages. However, it becomes even more serious when you’re getting close to retirement age and you’re still swimming in it.

This is a pretty good indicator that a large chunk of your income is going to paying off debt, which is not what you should be focused on at this point in your life.

If you’re struggling with debt, stop it from mounting by curtailing your spending and get out of it as best you can. The sooner you can do that, the sooner you can start saving seriously for what matters most- retirement.

Sign #3: You Make Impulse Purchases

Finally, if you find that you’re still making a lot of impulse purchases, especially those of the expensive variety, this is a big warning sign that you’re not thinking about what’s truly important and about your future.

It’s time to grow up, to stop spending, and to start saving.Otherwise, retirement is going to be burdensome, and that’s really the opposite of what it should (and could!) be if you start saving seriously now.