Retirement is a milestone many people spend years -- sometimes decades -- counting down to. But rather than focusing on simply when you'll retire, it's also important to think about how you'll retire -- meaning, what it will take to allow you to live out your senior years in a manner you're happy with.

Recent data from New York Life reveals that Americans, on average, believe they'll be able to retire at age 64. However, only 21% of those surveyed have an actual retirement strategy. If you're in the majority of people who haven't really thought retirement through, here's how to devise a strategy that can work to meet your goals.

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Source Fool.com