Core Insights - Lower-income Americans face concerns about retirement funding, as Social Security only replaces about 40% of pre-retirement income, necessitating additional income or savings [1] Group 1: Items to Sell Before Retirement - Selling a second car can generate cash and reduce expenses related to insurance and registration fees [2] - Timeshares may incur more costs than benefits, and selling them can provide financial relief, even if no money is gained from the sale [3] - Family heirlooms that children do not want can be sold to free up cash for retirement and alleviate the burden on heirs [4] - Poorly performing investments should be reviewed and potentially sold to claim losses on tax returns, thus reducing tax liabilities [5] - Selling a home and downsizing can generate cash for retirement while potentially lowering property taxes and maintenance costs [6]