Don't let your savings efforts go to waste.The money to fund your retirement has to come from somewhere. And you shouldn't expect it to come from Social Security alone.Those benefits might replace about 40% of your pre-retirement income if you earn an average paycheck. But most retirees need considerably more than 40% of their former pay to live comfortably. And it's important to save on your own to bridge that gap. If you have access to a 401(k) plan through your job, you have a prime opportunity to build ...