Many of us aren’t saving enough for retirement. But there are ways to fix this

It comes down to two alternatives: bring in more income or reduce your expenses. Photograph: Bojan89/Getty Images

It was recently reported that nearly half of the members of my generation are delaying retirement as rising costs and stagnant wages are draining savings. Even worse, a new Gallup poll found that as many as 69% of all workers fear they’re not saving enough for retirement.

I get it. I feel it too. But whose fault is this, really? The government? Businesses? I think it’s time we all look in the mirror.