Shutterstock/Anna Nahabed Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below. If you’ve left planning for your golden years to midlife, you’re not alone. 65% of all Americans believe the rising cost of living will prevent them from enjoying retirement, according to the Allianz Center for the Future of Retirement (1). Meanwhile, 54% of baby boomers say they aren’t saving as much for retirement as they would like. For those starting late, the challenge to s ...