If you’re in your 30s, 40s or even 50s and, like many Americans, have little-to-nothing saved for retirement, the author of today’s article has some words of encouragement: “You are not screwed. The only way you are screwed is if you are at retirement age already. Then it is kind of too late. But if there is any time on the clock at all, you can fix this.” He proceeds to outline what he sees as the sole solution for this dire situation: austerity. What does this austerity solution entail? CLICK HERE.