<prompt> Human: Hi rpersonalfinance! The title pretty much says it all. It might also be worth mentioning that I went through a divorcebankruptcy about 6 years ago, loosing most of my savings that were tied up in a house market crash. Needless to say I find myself worrying quite a lot about retirement these days. I dont want to loose the little I have saved by making a foolish or overly conservative investment decision and certainly dont want to work for another 30 years.Any and all advice is thoroughly appreciated!  <response>: Save more money. There are no tricks. Its fun to talk about and debate the fine points but at the end of the day saving more is the thing that gets you there. Lets say Im saving 20k a year and youre saving 40k. No amount of juggling investments or debt balances keeps me up with you even if youre sticking it in a savings account. 