Recent surveys show the average U.S. citizen isn’t saving enough for retirement. While it’s an improvement over saving levels in the 1980s, its still not enough says Ty J. Young who emphasizes the importance of managing cash flow and living below one’s means in the current market environment of rampant inflation and declining purchasing power. Young joins The Watch List to discuss how people can improve their retirement savings, including reducing personal debt and paying off one’s house before retiring.