Author: Maurie Backman, The Motley Fool

Americans are accumulating more than ever before in their IRAs and 401(k)s — but that doesn’t necessarily mean they’re set for their golden years.

And why you should be making it too.

Ready to retire? Here are the various perks you have to look forward to as a senior.

Hint: It’s all about the unknown.

When it comes to saving money, we tend to be our own worst enemies. Follow these tips, and with any luck, you’ll do better on the savings front without bemoaning the luxuries you give up in the process.