WACO -- A new survey found nearly half of all Americans are not saving for retirement.
But it's not for a lack of wanting to save it's a lack a funds to do it.
"Often times they don't take time to stop and think about how they're spending their money," Josh Satterfield, financial advisor with Edward Jones said.
From paying off a mortgage, student loans and basic necessities, the argument is, there isn't anything left to save. But Josh Satterfield with Edward Jones says with some slight changes, you can.
"They maybe go ahead and take some money off the top and put it away so that it's not even working in their working budget," he said.
Also, watch the extra purchases
People ages 18 to 34 are the worst offenders at not saving and with only half of all Americans currently saving anything for retirement, that debt will land on the shoulders of the next generation.
"It's going to force people to work longer or reduce their expenses if the time comes where they need to retire and it's not there."
Only a quarter of Americans seek guidance from a financial institution, so along with saying goodbye to the five dollar latte, here's another tip:
"Spend less, save more or work longer."