In 2014, Bernadette Janson wrestled with many sleepless nights.

At the root of her sleeplessness was the fact that she had so little saved for retirement and, only $20,000 in her superannuation account.

After acting to fix her super, Bernadette Janson says it’s never too late to start to plan for your future and boost your balance.Credit: Nick Moir

“I’d lay awake........

© The Sydney Morning Herald