Retirement planning is for everyone. You're never too young or too old to get started. You may have your financial future in mind as you prepare for a new year in 2024. Planning for life after your working career can seem daunting.

But everyone can take action to make it easier on themselves. So keep these five retirement savings hacks in mind. They could significantly impact your financial fortune this year and beyond.

Personal finance can seem complex, but it ultimately boils down to the simple math of what you make minus what you spend. You can't save for retirement if you don't have any money left at the end of each month.

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Source Fool.com