36% of millionaires say it’ll ‘take a miracle’ to retire amid rising costs and a shaky market — how to get on the right track even if you don’t have $1 million in the bank

Pay down your debt

Before you think about bolstering your retirement savings, you’ll want to get any debt cleared.

If you’re struggling to keep track of multiple credit accounts or it seems like you’re stuck in an endless cycle of debt, you might consider consolidating your debt into one loan.

Consolidating your debt will allow you to save money on interest, lower your monthly payments, improve your credit and pay your debt off faster.

With Credible — an online marketplace of vetted lenders — you can shop around for debt consolidation loans to make the task of cutting down your debt manageable.

Depending on how much you owe, rolling your debt into one loan with a lower rate could save you thousands of dollars in the long run.

After answering a few simple questions about yourself and your finances, Credible will provide you with a list of loan rates from top lenders within minutes. You can decide which works best for you and compare loans all in one place.

Meet Your Retirement Goals Effortlessly

The road to retirement may seem long, but with WiserAdvisor, you can find a trusted partner to guide you every step of the way

WiserAdvisor matches you with vetted financial advisors that offer personalized advice to help you to make the right choices, invest wisely, and secure the retirement you've always dreamed of. Start planning early, and get your retirement mapped out today.

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Get expert financial advice

What’s most important to remember is that you don’t have to do this all on your own. Setting yourself up for a comfortable retirement can be nerve-racking — especially with a 6.5% inflation rate and potential recession peeking around the corner.

One solution to help you sleep better: Find a financial advisor who can help navigate your finances and make sure your assets are safeguarded.

WiserAdvisor's online platform connects you to vetted financial advisors suited to your unique needs and eliminates the taxing legwork of shopping around for a suitable adviser.

While most advisor matching services pair you purely based on your net worth and location, they take a personalized approach and have users describe their unique needs that a financial adviser can help with.

All you have to do is provide some information about yourself and your finances and they’ll set you up with a free, no-obligation call.

Earn quarterly income

Creating a diversified portfolio with assets that traditionally fare well over economic cycles is a great way to boost your retirement fund.

Real estate is known to yield steady returns while diversifying your portfolio. And First National Realty Partners’ platform gives everyday investors access to this asset class through institutional-quality, grocery-anchored commercial real estate investments.

To get started with FNRP, just fill in some information about yourself, your income and investment goals and you can start earning quarterly income without the typical effort required to manage real estate investments.