10 Reasons Why It’s So Hard to Retire at 65

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You Haven’t Saved Anything

The only good thing about not having anything saved for retirement is that you’re not alone. A GOBankingRates Retirement Savings Survey found that one-third of Americans have nothing saved for retirement — and 55 percent have less than $10,000.

Get started now: Look at your budget and see where you can trim a few dollars, then put that amount away every week or every month. When you get a little extra cash or a pay increase, put that amount away too. Before long, you’ll have a little nest egg that will continue to grow.

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