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to be 56.Meanwhile, she notes, Hallmark is selling more and more "Happy 100th Birthday" cards each year. "If you've got 30 plus years ahead of you, it's worthy of a little planning," she says.If Pierce had her way, women would take stock of their financial situation in their 30s and 40s.However, for many, including herself, "the ah ha moment" doesn't arrive until about age 50. Still, she says, "It's never too late."The first step, with or without a financial adviser, is to take stock and develop a well articulated financial plan, says Pierce. "How do you visualize your life?"To maintain their lifestyle in retirement, many Canadians will need savings capable of generating 80 per cent of their current income, she says."You really should be paying yourself first, even if it's just 10 per cent of your income," she says, citing the advice found in David Chilton's The Wealthy Barber.If that's not feasible, even transferring $100 a month into a mutual fund account or guaranteed investment certificate with your bank will get your started on the path away from those bag lady nightmares, she says.Bag it rightMulti coloured, bold prints, unique straps, cute accessories, sling bags and backpacks are no longer just functional, but an essential style statement in a woman attire. A mind boggling, eye catching variety of bags in shops lining city streets is guaranteed to send an adrenalin rush to a shopper. In newer designs and better quality, bags are flooding the market and shopkeepers are racing to keep up with the growing demand. Consumers are literally spoilt for choice.Monotonous colours and humdrum