The next thing you'll need to do is commit to maxing out your retirement plan for the remainder of your career. This will accomplish a couple of goals - giving you extra years to sock away money, and helping you grow your Social Security benefits so you get the maximum monthly payout possible.

If your original plan was to retire in your mid-60s, aim to keep plugging away until 70 or later.

The first is commit to working longer, which, incidentally, isn't just good for your savings, but potentially good for your health. So how do you go from $0 in savings to a sizable nest egg? You'll need to do three things. In a good-case scenario, it might pay for about half of your expenses, leaving you on the hook for the rest. That's because the income you receive from Social Security won't be enough to cover your bills. Let's be clear: Without independent savings, there's a good chance you'll struggle financially as a senior. A senior couple with serious expressions look across a desk at a man in an office setting.

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