Edelman offers these tips for saving for retirement:

1. Join your retirement plan at work. It's the easiest way to save because money is automatically deducted from your paycheck, he says. If your employer doesn't offer a retirement plan, if you're not eligible to participate in it or if you're already contributing the pre-tax maximum and can afford to save even more, then contribute to an IRA.

2. Start small. If you're not contributing anything to a retirement plan, start by contributing 1% of your pay. If the 1% contribution hurts, then stay at that level until it doesn't hurt anymore, he says. If it doesn't hurt, then increase your contribution by another 1%. Do that until it hurts.

A 1% contribution may be less painful than you think. Say you make $44,259 a year. If you're paid twice a month, that's $1,844 per paycheck. If you contribute $18.44 from it, you lower your taxes by about $5, assuming you're in the 25% tax bracket, meaning your paycheck only has to drop by $13. That's about a dollar a day.

It's easy to cut a dollar a day from most budgets, he says. "We're talking about one large cafe latte a week or you can skip drinking soda daily at lunch," Edelman says.

3. Start even smaller. If even 1% sounds like too much money, make it $10 a paycheck. Then increase by $10 increments until it hurts.

4. Save half your next raise. If you can't contribute anything now, wait until your next pay raise. When you get it, put half your raise into the retirement plan. Your paycheck will still go up some, and your contribution will be completely painless, he says.

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