"This post starts by discussing the process of 'ripping off the band-aid' of a high-cost vendor and getting out of a bad 403(b). It then describes the importance of continued saving through retirement age, finding money to save, dollar-cost averaging savings deposits, tax incentives to make up for lost time, and creating a retirement catch-up action plan ... It also summarizes research about 'the arithmetic of investment expenses' as well as three 'need to know' facts and six take-away action steps."