This CNNMoney story is for you.
From the link:
3. Worry less
What if you just can’t save that much?
If your budget is tight today and you just can’t find another dime to set aside — well, you’re not alone. But you should resist the urge to become really aggressive to make up for what you’ve lost. You probably have some other arrows in your quiver. Just one of the following can go a long way toward getting you to a comfortable retirement:
David Kirkpatrick 