Retirement comes early for most people. Early days, which means we're not ready for what comes with it. Most people would like to retire today, but unfortunately this is almost impossible. It takes a person a lifetime to become financially stable and adequately equip themselves with the assets acquired throughout their life. Everyone needs to start young, in fact the earlier the better. Any money or savings that can be applied today will always lead to a better future. So, is it worth working harder and saving now to eventually achieve a great retirement? Without effort, we will rely on other sources during our retirement years, sources that may not be available to everyone who needs them. There are three ways to help Americans be better prepared now. These methods include saving money now and investing in profitable sources. Don't become one of the millions of Americans who fall into government-assisted retirement plans due to lack of preparation and planning. Today is the day to start saving money for retirement. The way people can be more informed about where money goes and how it is spent is to merge unnecessary accounts. This gives a better view of the amount available and the account information is very useful for knowing how it is used. This method is informative and simple and can save a lot. Plus, people can pay themselves first. By doing this, money is placed in a specific account before anything else. This way, there is less to spend or waste, and it's almost as if the money was never there to begin with, so you don't miss it. Along with these options, people should sacrifice unnecessary luxuries to save money, especially during the warmer months. One article says: "Summer is known for... middle of paper... a long, happy retirement." If people merge their accounts to get a better idea of ​​how money is used, pay themselves first, and sacrifice unnecessary luxuries, then they are sure to realize substantial savings. People can also invest in investment sources such as stocks or pensions to have money in an unusable source, so that it cannot be used until a desperate need like retirement. Prepare yourself now so that the future is pleasant and relaxing, as it should be. Works Cited Allers, Kimberly Seals. “How good are your finances?” » Ebony 68.9 (2013): 93-97. Academic research completed. Internet. November 15, 2013. Bauer, Gabrielle and John Southerst. “A promising retirement: your life, your way.” Maclean's February 18, 2013: 37+. Opposing viewpoints in context. Internet. November 15. 2013.