3 lame excuses for not saving for retirement and how to overcome them

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You know how you keep putting off something — like doing your taxes or cleaning out a closet — you don’t feel like doing? Saving for retirement is like that for most of us.

A third of workers say they are not saving for retirement, according to data from the Employee Benefit Research Institute. A Bankrate survey of biggest financial regrets found putting off saving for retirement at the top of the list.

Just a few barriers keep people from saving for retirement, says Sam Friedman, insurance research leader at Deloitte’s Center for Financial Services.

Here are 3 common excuses people use for why they can’t save for retirement, with solutions for each problem behavior. You can get started today.

ADVISER SEARCH: Find a financial adviser now to help get past those problem behaviors.