I’m considering a job switch that will yield a lower salary.

Here, a Fidelity Investments financial pro shares how to manage a pay cut.

I love the work I do, but fear that Ive hit a financial ceiling.

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to consider starting fresh in a totally new industry.

Im currently 45, and in addition to my intendedcareer pivot,retirement planningis top of mind.

Viktorians first suggestion was to audit my current expenditures and saving habits.

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Financial consultant, Fidelity Investments

But even before getting into the nitty-gritty, she says creating clear, realistic goals is crucial.

Its probably not thatit just means what do we tweak?

Right now, were covering our expenses, and we are putting a little bit away each month.

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So in a few years, well ideally be able to save more than we already are.

Viktorin emphasizes that 4 percent absolutely can add up and make a difference in your savings.

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Thatsyour401(k).

Its pretty empowering to be able to do that.

At this point, Viktorin says to automate your savings as much as humanly possible.

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Financial consultant, Fidelity Investments

Create an auto payment, create an auto-investautomate it as much as possible.

Dont be afraid to ask for help, she says.

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