This is always a hard question for me. I know many people struggle to make ends meet, so perhaps they didn’t have much left to save for retirement. Or, let’s be real, they had the money and made poor decisions. Or, just didn’t know how to save. If you face living just off Social Security, and that’s not a lot (about $1,700 a month as of Dec. 2022), you have to rethink your retirement. First look for ways to reduce your biggest expense – housing. Can you live with someone or get a roommate? Can you move to a less expensive area? If you are able, can you work full-time or part-time? Or, if you can, can you delay retiring until you’ve been able to save a little bit more. Look at all your expenses and see where you can cut. Be sure to tap all the state and federal resources available.