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Retirees Share Secrets to Financial Security

YOU DON'T NECESSARILY need a lot of money to set up a financially secure retirement. If you're willing to carefully manage your expenses, you may be able to retire with a modest budget.

Here's how to retire well on less money:

  • Know what you want.

  • Start saving early.

  • Don't chase high-risk investments.

  • Save above-average earnings.

  • Reduce housing costs.

  • Line up utility payments.

  • Get rid of car debt.

  • Move to a less expensive area.

  • Stretch small items.

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