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01/02/2014 01:31 pm ET Updated Jan 23, 2014

A Cheapskate's Guide To Retirement Saving

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Like many journalists, I get plenty of surveys about retirement readiness (or unreadiness) among boomers. The picture painted by the surveys is uniformly gloomy and often coupled with useful steps for saving more, taking better advantage of 401(k)s and the like.

Personally, I think the gloom runs too deep. Still, saving is a good idea — who doesn’t feel the need to set aside more for the last third of life? I know I do.

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