With guaranteed pensions a thing of the past for most people, workers must take steps to secure their own retirement. Unfortunately, many people aren't great at that, and there's a very real risk many Americans will reach retirement age with too little money to support themselves.

If you're worried you might be one of them, there are steps you can -- and should -- take now to shore up your benefits and ensure you'll have more retirement security later. Here they are.

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Source Fool.com