Here’s from their Step #15:
Don’t despair if you are behind on your retirement goals. If it is any consolation, you aren’t alone; studies show many households are not adequately prepared for retirement.
As bad as things are today, you are likely going to be here a long time yet. Even if things are good, you don’t know how things will change. The post includes ideas about retirement savings.
Earlier posts in the series: #1: Commitment to change, #2: Assess your financial situation, #3: Clearing out financial clutter, #4: Set yourself up for success, #5: Get copies of your credit reports, #6: Clean up your credit report, #7: Make your money count, #8: Identify your starting point, #9: Do You Pass the Debt Test?, #10: Set your priorities, #11: Set SMART financial goals, #12: Set short-, mid-, and long-term goals, #13: Paying down debt is a smart financial move, #14: Expect the unexpected