UTICA, Mich. – Statistics related to retirement can be downright discouraging.About 45% of Americans said they worry every day or almost every day about saving enough money to retire, according to the Pew Research Center. Meanwhile, 28% of Americans in their 60s and 37% in their 50s have less than $50,000 in retirement savings, according to a TD Ameritrade survey.It can all seem overwhelming, especially these days with the impact coronavirus has had on the economy and on many people’s retirement savings. But in the midst of the gloom there remains hope because there are always small changes they can make with their financial planning that will have a big impact down the line when it comes to retirement.So, instead of throwing up their hands in despair, it’s important to
