Manage your expectations
If you know you are falling short you can still make it by ramping up your savings and adjusting your current lifestyle. If you work in a job that doesn’t pay well or you are close to the retirement age, you may need to get creative.
For instance, anyone can delay the start of Social Security benefits and get an 8% increase in your monthly benefit amount for every year you delay, from your full retirement age, usually around 65 or so, until you are 70. You can also work longer to save more or move to a less expensive part of the country.