Do you fear you're not saving enough for retirement? Don't beat yourself up. Most people would be willing to do whatever it takes to fully fund the retirement they dream of. It's just a lack of time, tools, and sometimes money standing in the way.

With that as the backdrop, here's a look at four things anyone can start doing today to make a big difference in how well your eventual retirement is funded. 

Socking some money away from each and every paycheck into a retirement fund should be the first thing any of us think about when we get paid. However, most of us tend to think about paying bills first. We typically plan on using any leftover time or money to add to our retirement savings. Problem? All too often, there's just not any time or money left at the end of the month.

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Source Fool.com