It’s day ten of The Retirement Reality’s 12 Retirement Tips of Christmas. If you missed any of the previous tips, be sure to click here.

Ten Lords a Leaping – For recent graduates and the newly employed, make sure to leap into your retirement planning at an early age. Currently, eight in 10 Generation Y workers will not meet all of their financial needs in retirement unless they significantly improve their saving behaviors. But it’s not all bad news, with proper planning, careful attention and a diversification of retirement vehicles that, when combined, will provide a steady stream of income in retirement, those in the workforce can ease the insecurity one has about their golden years.

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