Face it. Without a traditional pension, the only paths to a secure retirement are to save more, cut expenses, or both. That's not easy to do when immediate expenses are demanding a portion of your paycheck before it even clears the bank. If you do manage to get a raise next year, consider diverting it to your retirement account. Says Jonathan Pond, a financial planner and author of You Can Do It! The Boomer's Guide to a Great Retirement,: "The only sure way to create wealth is to save regularly and to regularly increase the amount of money you're saving, or live beneath your means."
More New Year's resolutions for retirement: