How To Save For Retirement When You're Broke

And it’s killing you.

You want to be able to save.

You want to fully fund an IRA or 401k each year.

And you certainly don’t want to be living off ramen noodles in your golden years.

So what do you do?

Here are three easy strategies that can help yousave for retirement even if you’re broke.

This article originally appeared atMoneyNing.

At first I thought I would need at least $1,000 to open up an IRA.

I started adding money to a savings account, waiting for that balance to hit a grand.

It felt like it was taking too long, so I soon gave up.

Fast forward a few years, and I’d smartened up.

But you don’t even have to start with $50 or $100.

you’re free to open up an IRA at various brokerages for as little as $10.

And the monthly contributions?

That’s your choice, too.

And more importantly, you’re creating a very good financial habit.

Contribute whatever you’ve got the option to each month.

Put them to good use by adding them to your retirement savings.

Also, don’t forget overtime!

If that’s too much, go for five or ten percent just do whatever works best for you.

It’s simply not true.

Instead, do the best with what you have and work on improving from there.

After all,millionaires are made$10 at a time!