The average American between the ages of 35 and 44 has just over $22,000 saved for retirement. For people who are entering their prime earning years, this is far too low. If you want to retire at age 65 and live on $50,000 a year, you’ll need about 15 times that much, assuming you live to the average age of 72. For most Americans, retirement seems like an always-distant horizon. They can always see it, but they never quite have enough money to reach it. As a result, they end up working long into their 70s.

The holidays are upon us, and it is officially time to begin your shopping. However, this doesn't mean you have to overspend.

There’s no need to rack up a huge credit card bill or go into debt just to cover your holiday expenses. Enjoy a stress-free season by keeping your spending in check with our six tips.

Save more for retirement with an Individual Retirement Account (IRA). It’s a managed investment account, like a mutual fund, that will grow your wealth so you can enjoy your retirement.

There’s no getting away from the fact that our dependence on energy increases daily. With energy-dependent technology driving our lives, ecologists continue to search for ways to reduce energy usage. Focusing on energy-efficient appliances is one way to do that.

You may be deep into your summer routine of lazy afternoons at the beach, family day trips and bedtimes postponed in favor of firefly-chasing, but back-to-school season is already in full swing.