[retiredebt1]

If you are like most people, retirement is something that is easy to put off thinking about until tomorrow. But tomorrow can come sooner than we expect. While you can’t control the passage of time, you can take action when it comes to planning for the future. We’ve developed these tips to help you take a more informed, active role in building your retirement savings.
Start early,
Social Security will not be enough
Financial experts say a person may need as much as 80% of his/her final year’s working salary each year during retirement to maintain his/her lifestyle. But Social Security only accounts for about 40% of the average retiree’s income.
Participate in your employer’s retirement plan
Identify your goals and develop a plan
Make sure you'll reach your goal
Save before you pay taxes
Save in a tax-deferred account
Stay invested