What would you have to do if you have no retirement funds saved up?

According to one source I found on the internet, you need to cut spending and start saving, by some admittedly stringent methods, and you need to get started right now!! No more procrastinating, thinking Social Security and your pension or 401k will cover you. Measures to consider are taking a second job, working more hours and more years before retirement, downsizing your home, cutting spending and paying off debt. Don't be afraid to ask for help!1 Many financial planners will work with you on a sliding scale, and you need all the help you can get!