If you’ve tried hard to reach your financial goals and outline your retirement plan but your savings account is still at $0, it can be scary. Don’t be too hard on yourself, though — it’s never too late to kickstart your retirement fund. Up Next: 10 Bills That Drain Your Retirement Savings — and How To Cancel Them For You: 5 Types of Cars Retirees Should Stay Away From Buying Between rising costs, economic instability, credit card bills and student loan debt, it’s no wonder that many people are struggling ...