If you’ve ever embarked on a big undertaking, whether it’s running a marathon or cleaning out your garage, you have probably encountered impediments that delayed or derailed your progress. Some — a knee injury, for example — are significant. Others are more accurately characterized as excuses; you’re not sure what to do with those old cans of paint, so you decide to watch Netflix instead.
Similarly, you’ll likely face barriers and detours on the road to a comfortable retirement. According to a recent Charles Schwab survey of 401(k) participants, 99% of Generation Z workers say they face obstacles in saving for retirement (up nine percentage points from a year earlier), followed by 88% of millennials and 91% of Gen Xers. But whether you are just starting your career or approaching the end of your working years, there are strategies you can adopt to navigate your way to a secure retirement.
