It’s finally time to start using the money you managed to save and invest over the years. But be careful: Taxes are just one of the tricky parts.

Saving more money for future goals, including retirement, is a popular New Year's resolution. But it's also easier said than done. Often, it involves making changes to your lifestyle and spending habits so you can free up additional cash for retirement savings. But that's only the first step.

But your 30s are ripe with possibility that makes this decade key in your retirement savings strategy. The best way to save for retirement in your 30s is to use your increasing earning power to boost (and protect) your 401 (k) and IRA contributions—two accounts that will pay you back for years to come.

Nearly half of U.S. retirees lack a formal strategy for withdrawing their retirement savings, according to a survey by IRALOGIX.

Are you planning for retirement? If so, you've most likely heard retirement gurus and other influential people say that you need at least $1 million saved. Would you be surprised to learn that

As you're nearing or entering retirement, you may be worried about not having enough money to last the rest of your life. After all, people are living longer than ever, and the last thing you want