Is This Your Idea Of Retirement?
Action Plan Time
The one specific purpose of this action plan would be to find new money to invest into your retirement plans. Unless you receive a raise, the only way to find additional money is to work with your current income and expenses.
If you cannot increase current income, the only other way to find new money is to cut back on your expenses. You may think you have been cutting back, but maybe you need find other ways to cut back. Isn’t it worth a try?