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Set Up an IRA

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By making your retirement saving accounts your priority now, as your planned retirement date draws near, you can make up for lost time. To start with, if you do not already have one, establish an IRA. Even if you are a non-working spouse, you can deposit up to $4,000 (for 2006) a year into an IRA, plus an additional $1,000 (for 2006) if you are age 50 or over.
Source: http://www.investorguide.com/igu-article-738-retirement-basics-make-your-retirement-your-priority.html