It's a lot easier if you begin preparing years ahead, but it can be done even if you don't start saving until you are 50.
There are lots of reasons why you shouldn't do this, but let's consider the other side of the argument.
The GAO recommends changes to ensure that millions of savers' funds are protected.
Here are some common-sense notions to keep in mind when it seems like the sky is falling on your golden years.
The stock market -- or bonds or a money market -- cannot make your future secure unless you have money in them. So start saving.
Borrowing from your 401k or taking a hardship withdrawal will come with consequences.
Parents are still saving, but some are struggling and some are using retirement accounts, not the best choice.
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Bargain hunting gives silver a boost after a nasty dive in overnight markets. But worries about rising interest rates and a possible U.S. debt downgrade gives the metal a boost.
The Market Dispatches column has been discontinued. Here's where to find the latest stock and business news on MSN Money, and the latest from market writer Charley Blaine.
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