Saving money for retirement can be hard, especially if you are behind or cannot save much. For some people retirement is the last thing on their mind. Just contributing 1% of your salary to retirement savings to start and slowly increasing that contribution can make a big difference over time.

But what happens when you do have a retirement plan? What do you do? Nothing? Think again.

This week Joe talks to Ed Slott. Ed has taught millions of Americans and financial pros how to get the most out of their retirement savings…he is a nationally recognized IRA distribution expert and the author of The New Retirement Savings Time Bomb.