Are you saving enough?

When can you retire? Here are some things to consider.

Did you know that, according to the Employee Benefit Research Institute, 30 percent of Americans have less than $1,000 saved for retirement? Or that a 65-year-old couple retiring in 2012 will need at least $240,000 to cover medical expenses throughout retirement? Or that nearly 75% of retirees say they haven't saved enough and that they would save more if they could do it all over again?

Regardless of whether you are five years away from retirement or forty, it's never too late or too early to start planning. A few ways to get started:

Personal Finance Spreadsheet

Download the Smart Personal Finance Spreadsheet. It can help you organize your financial life by giving you a snapshot of the current state of your finances, thus helping you make better decisions about how you spend, save and earn money.