Americans have long struggled to save enough for retirement, which remains a problem today. According to the Economic Policy Institute, the average working household has just $95,776 saved for their golden years.

For many households, that's not much more than a year's worth of income. Fortunately, it's not too late for most working people to change their financial fortunes. There are realistic paths to retire with at least $1 million saved, though your path forward may depend on your situation.

This is a retirement service announcement. Here is what you need to know about ensuring that your retirement savings are on track for a happy ending.

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Source Fool.com