Save more. Workers with significantly diminished retirement account balances will have to step up contributions if they wish to retire in the near term. Employees age 50 and up can tuck up to $22,000 into a traditional tax-deferred 401(k) in 2009, up $1,500 from this year. And if you are fortunate enough to work for a company that still offers a 401(k) match, take advantage of it. "Workplace savings is the best thing we have going for us in a recession," says Dan Houston, president of retirement and investor services at the Principal Financial Group.