World-renowned billionaires Warren Buffett and Bill Gates were once asked at a gathering to write down on a sheet of paper their secret to success in one word. They both gave the same answer: focus. I'm 49 years old and have nothing saved for retirement — what should I do? Don't panic. Here are 5 of the easiest ways you can catch up (and fast)

The Gates Foundation had planned to wind down two decades after Gates' death, meaning today's announcement significantly moves up that timetable.