You don’t have to believe the rumors about retirement: It doesn’t have to happen when you turn 65. It doesn’t have to mean the end of your working days. It doesn’t require moving to Florida. And just like there are different ways to retire, there are different ways to think about your retirement savings: It can be an untouchable pile of money in a diversified account—but it can be many other things, too.

In a week’s worth of reporting on how to save for retirement at any age, here are three universal truths we heard from our experts.

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