Saving for retirement requires money — and you also might need to trick yourself into it.
Americans face so many financial responsibilities — housing, family, transportation, student debt and health care — but they are also on the hook for funding their own retirement, especially as many companies in the private workforce have moved away from providing pensions. Not everyone in their 20s and 30s, or even 40s, are thinking about retirement, or strategizing how best to amass enough money for when they get there.
