To many people, retirement might seem like a lofty goal – especially as it becomes more and more difficult to afford.

Pensions are scarce these days, and many workers are concerned about the future of Social Security. Most of your retirement income will probably need to come from your personal savings, and retirement isn’t cheap. The average worker expects to need about $1.7 million saved to last the rest of his or her life, a survey from Charles Schwab found.

If you’re behind on your retirement savings, you may feel like you’re doomed to struggle in your golden years. But if you’re willing to work for it, it is possible to retire rich – even if you haven’t started saving.

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