Don't touch your retirement savings
If you withdraw your retirement savings now, you’ll lose principal and interest and you may lose tax benefits or have to pay withdrawal penalties. If you change jobs, leave your savings invested in your current retirement plan, or roll them over to an IRA or your new employer’s plan.

My name is Andy, 57 years old and together with my wife, Laura, 54, seems to play a catch up when it comes to my retirement savings. Can you help me with some money-saving tips that can give a satisfying flow of income come my retirement period?