If you're not interested in saving for retirement because it's still decades away or you assume that saving intermittently is good enough, you're in for a rude awakening. Savvy savers start making contributions from their paychecks to their retirement accounts at the beginning of their careers. If you failed to do it this way, now is the time to start catching up.
The average American spends 20 years in retirement, according to the U.S. Department of Labor. The choices you make now will determine whether you get to relax during those years or if you'll be forced to work to make ends meet.
Here are nine signs that your current retirement savings strategy isn't going to cut it.