Think about the people in your life in their 50s, 60s, and 70s. Your parents, your colleagues, maybe yourself. A recent nationwide survey asked people over 45 one simple question.Do you wish you'd started saving earlier. 85% said yes. 85%.One of the biggest issues in America today isn't bad investments, it isn't debt, it's this. I wish I'd started sooner. And the thing that's most painful, they knew they should be saving.They just didn't have a system to make it stick. Now think about the young people in yo ...