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Have nothing saved for retirement? Follow the ‘austerity’ solution

You’ve screwed up. You’re drowning in debt. You haven’t saved for retirement. You’ve chopped yourself to bits in the stock market.

“Too late now, I’m screwed.”

You are not screwed. The only way you are screwed is if you are at retirement age already. Then it is kind of too late. But if there is any time on the clock at all, you can fix this.

I know many people who got to age 50 and didn’t have a dime saved for retirement. Then they staged the greatest comeback of all time, and retired comfortably.

Being poor sucks. But there are few things worse than being completely broke in old age.

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