When it comes to retiring you may want to consider working longer. Postponing retirement by just a year or two can help you save thousands toward your goal and also allow more time for investment strategies to pay off, it can also increase your Social Security benefit. Also give thought to what your definition of retirement is. Many people who fully retire find themselves looking for a part-time job because they are bored. Instead of leaving your employer entirely, consider a phased retirement and continue to working part time for several years.