10 secrets to successfully save for retirement

Don't let savings numbers discourage you

Ideally, you'll retire with enough savings to replace at least 60%, and preferably 80%, of your pre-retirement income. Our retirement calculator will show you how much you'll need to hit that mark.

It's likely going to be a shocking number.

Let's say you earn $65,000 per year and want to retire 30 years from now, replacing 70% of your income for 25 years. To do that, you'll need a whopping $2 million.

Now, just 12% of workers reported retirement savings of $250,000 or more in the 2013 Retirement Confidence Survey from the Employee Benefit Research Institute.

But don't get discouraged and quit. Something is better than nothing, and Social Security income can still help you make up a shortfall.

Peter J. Laliberte, owner of Florida-based Liberty Advisory Group, says the big number should motivate you.

"I've seen too many people that don't have anything material saved, and they don't have any options. Start saving young and get a plan," Laliberte says.