This Is the Ultimate Secret to a Secure Retirement if You Aren't Wealthy

Start saving early, even if it's a small amount

[{"selector":"#anim-69128efc-021e-4ac6-9415-d298fcd7dcd8 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] Photo: Pexels.com

Take advantage of employer retirement plans like 401k with match

[{"selector":"#anim-85c02cd7-73de-4ab0-aeb2-b0304c2b66e1 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] Photo: Pexels.com

Invest regularly in low-cost index funds

[{"selector":"#anim-379f37ad-8d3c-47eb-961e-ad2206975c9a [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, -0.00048543688991031786%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] Photo: Pexels.com

Build an emergency fund of 3-6 months expenses

[{"selector":"#anim-1d3da503-c89f-48f9-969a-ba6e884292fa [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] Photo: Pexels.com

Pay off high-interest debt like credit cards

[{"selector":"#anim-cf5b0bb0-ccf4-4a23-af58-f6b451971830 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-0.3507902218538774%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] Photo: Pexels.com

Delay Social Security benefits as long as possible

[{"selector":"#anim-644eed9e-63af-4cba-a393-6136027f3cd5 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] Photo: Pexels.com

Downsize home and expenses before retirement

[{"selector":"#anim-fad9e39a-2d32-4d52-b7de-199827145e24 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] Photo: Pexels.com

Develop multiple income streams like part-time work

[{"selector":"#anim-a6c7b29f-61ad-441c-901f-e03cf96dbcfa [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] Photo: Pexels.com

Move to a low cost-of-living area

[{"selector":"#anim-53c404c0-c4e9-4a6c-b8ea-d71371569347 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] Photo: Pexels.com

Consult a fee-only financial advisor for guidance

[{"selector":"#anim-6cb1694d-5af9-4972-8b05-0c80df932fb4 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] Photo: Pexels.com