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Its a common sentiment.

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The cost of living remains high, making saving difficult.

Life expectancy continues to climb, so a bigger nest egg is required.

Plus, the future of Social Security remains in question.

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But maybe the 18% are right.

Here are four ways retirement savings is actuallyeasier today than for older generations.

While you may not have a pension, you havemore retirement saving options.

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Roth accounts werent available until 1998.

Before 2001, older savers couldnt make catch-up contributions to retirement plans.

For instance, a traditional 401(k) or IRA can save you on taxes.

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Today, financial information is just a quick search away on your phone or computer.

Plus, most have free and paid tools to guide you in managing your IRA portfolio.

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