Summing up the average American's approach to retirement is a bit vexing. On one hand, we have some arguing that even a $1 million nest egg won't be enough for your Golden Years. On the other, the facts are pretty clear: the vast majority have barely saved a pittance.

In the end, I think the truth probably resides somewhere in the middle. Your spending decreases in retirement, so $1 million will be more than enough for most people. And when we look at how much people have saved, we can't ignore the enormous role that Social Security -- tenuous as it may be -- plays in financing retirement.

No matter where you are in your journey of saving for retirement, the 10 steps below will help you get closer to your goal. From using little-known techniques to supercharge your savings, to simple ways to cut monthly bills, there's something in here for everyone.