Envision your perfect retirement: You're on the beach, soaking in the sun and sipping on a cocktail. Or, maybe, you're at home indulging in hobbies, taking long morning walks and spending time with friends. But while daydreaming about retirement is easy -- saving for it takes time and effort. And sadly, Americans don't have a lot of money saved.
You might think it's difficult saving for retirement with bills and other priorities soaking up your earnings. But not only can you catch up on your 401k and IRA, you can get ahead to retire rich. Here's how.