For years I've commented on posts about saving for your retirement. There were always two arguments on the side of why people can't / won't.
First: too risky to invest in the casino called Wall Street (answer – invest in bonds, many IRAs or 401ks have that option);
Second: They don’t make enough money to invest. Here’s the answer to that, free money from the government.
Saver Credit: Basically, if you earn a low annual income, and save up to $2000, the government will give you a credit to offset that amount. The best thing you could do is to save at least that amount and increase it as you can.