Signs of this weak economy are everywhere.

Here's a scary statistic that shows just how many families continue to struggle:

1 out of every 7 workers borrowed from a 401(k) plan last year, and many companies are reporting double digit increases this year. In fact, 30% of works have an outstanding 401(k) loan.

We know times are tough, but raiding your 401(k) early must truly be used as the absolute last resort.

We're not going to sugar coat this for you - saving enough for retirement is harder than ever with the death of company pensions, a lost decade in the stock market and the collapse of housing prices.

If you want to live a retirement free from financial worry, it is CRITICAL that you avoid making common retirement mistakes that trip up so many people.