There is an article in the latest issue of Kiplinger magazine on how to retire rich.
Some of the ideas in the article are to participate in your company's 401k plan or invest in a Roth IRA, pay off student loans and don't cash out your 401k.
You may not think you can save much but just by starting by saving some you will have more than if you don't start at all. Start with a small amount if you need to and gradually increase as you can.
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