Saving for retirement is more daunting than it should be. According to Investopedia, 20% of workers aged 55 to 64 live in constant fear that they may never be able to afford their retirement. As such, it’s very important to start planning your retirement early. Luckily, financial advising services can help you figure out how best to save money for your retirement. Here are three tips to ensure that your retirement plan is effective.