Many people don't realize that they're a few simple steps away from being financially prepared for retirement. The longer you wait to develop the right strategies, the harder it will be to get on track later. Consider making these moves today to ensure that your golden years are stress free.

It shouldn't be news to anyone that it's important to save for retirement, but Americans still aren't doing a good enough job at retaining their hard-earned money. Most people need to save 15% to 20% of their income, but the average savings rate is roughly one-third of that. Surveys indicate that many families don't think they're putting enough in the bank each month, and studies suggest that people generally underestimate how much they'll need for retirement.

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Source Fool.com