If you want to enjoy your retirement to the fullest, then you'll need a nice amount of savings. Retiring on Social Security alone could mean having to cut corners as a senior, and after a lifetime of hard work, you deserve better.

Some people have access to a retirement savings plan through their employers. If you don't, you might be housing your retirement savings in IRAs, which offer a number of benefits over 401(k) plans. First of all, they tend to offer a wider range of investment choices.

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Source Fool.com