As 78 million baby boomers approach retirement age, many are realizing they should have saved more money when they were younger—but didn’t. The good news is that it is not too late for most individuals to turn their retirement future around. A free online resource, the Guidebook to Help Late Savers Prepare for Retirement (www.smartaboutmoney.org/nefe/uploadfiles/Late%20Savers.pdf) is a thorough, user-friendly guide to help Americans boost their retirement savings. The guide outlines more than a dozen catch-up strategies for Americans—especially those 50 and older—who have realized they haven’t saved enough for retirement. The guidebook is available only on the Web site of the National Endowment for Financial Education® (NEFE®). NEFE is a Colorado-based independent nonprofit foundation dedicated to providing individual Americans with the knowledge and skills they need to make positive choices and informed decisions concerning their finances.

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