Most people realize that they need to save more for retirement, but they don't know where to start. Indecision can be costly if good habits are delayed too long, so a great retirement savings hack can be really valuable for your financial plan. Consider these three strategies to boost your savings rate and build toward retirement goals.

Health savings accounts (HSAs) are an underutilized retirement savings tool. These accounts are meant to encourage asset accumulation for people with high-deductible health insurance plans (HDHPs), and they aren't explicitly geared toward retirement. However, they have several fantastic features that can deliver exceptional value for seniors. Therefore, if your employer offers HDHPs as health insurance options, it's worth taking a closer look in order to be able to take advantage of HSAs.

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Source Fool.com