Saving for retirement in the US seems like a daunting task for most Americans, but it goes without saying that at some point, just about everyone will need to retire. Yet, according to a recent Marketwatch article, only 66% of Americans in the workforce actually save a portion of their paychecks and most of those savers have less than $25,000 tucked away for retirement. If those Americans retired today, they only have enough to live one year just above the poverty line, obviously not enough if they would like to keep their standard of living for many years to come. So if the average American is so grossly unprepared for retirement, how should Americans go about saving for this inevitability?