Does saving for retirement have you worried? No matter what your age, there’s never a bad time to get smart about money and investing. “The key to financial security is establishing a savings plan, even if you need to start small, by saving just ten or twenty dollars a month,” said Donna DeMaio, president of MetLife Bank, an affiliate of MetLife. “The good news is that it’s never too late to start saving, and it’s a lot easier than people think.” Here are some options to consider: Shop smart. Instead of relying on your credit cards, try budgeting luxuries and necessities each month and pay in cash whenever possible. Look to real estate. Owning a home can allow you can use the equity built in your home for retirement investing, home improvements which will boost its appraisal value, and to put the kids through college. However, it’s unwise to use this equity to live above your means. Simple saving. Most people can manage to find a way to set aside a few dollars a week. Set up a “don’t touch” account. Start early and reap the rewards later. Invest. From million-dollar stock portfolios to money market accounts, there are plenty of options for investing based upon your needs and financial situation. The key is finding the right ones. 401(k)s are quite popular and simple to join. Most employers have some sort of employee savings plan, such as a 401(k), where funds are withdrawn from your salary pre-tax and invested in stock funds. Talk to a tax advisor about IRAs. A similar concept applies to the popular 529 college savings plans. You can invest money into a plan tax-free to save for a son or daughter’s use when they reach college age.