If you're struggling to either save for retirement or spend less during those years, you aren't alone. A GOBankingRates survey found 46% of Americans have $0 in retirement savings and 64% have less than $10,000 saved. This problem will likely become even worse due to the COVID-19 pandemic, as millions of Americans have lost their jobs.
While there are plenty of savings plans you can use to stash more money, the only person who can ensure that enough flows into your 401(k) or IRA is you. Therefore, finding creative and resourceful ways to prepare for retirement is an important part of the process that no one should overlook. Use these tips to make the most of your retirement.