Yes, it is late but all is not lost. You should start and figure where you stand early in order to put a plan into action to meet your retirement needs. It is anyway better than worrying over retirement after you have actually retired. If you haven’t yet worked out any kind of a plan, it is never late to start saving for retirement and investing money, just the way others do. The plan will vary from person to person, but unless you make a start, you won’t know where you stand and what you need to do next.
The important point is to make a start and if need be use the help of an expert to get you understand your situation better.