Author: Maurie Backman, The Motley Fool

Sometimes, it pays to file as soon as you can.

If you’re one of them, it’s time to make some serious changes.

This is something you’ll want to avoid at all costs.

What if the end of your career is approaching, and you don’t have a dollar socked away in your IRA or 401(k)? Though your retirement might seemed doomed, that’s not necessarily the case. Here are a few ways to compensate for a lack of savings in your golden years.

Follow these, and you should start seeing some pretty impressive results.