You may manage to live comfortably at the age of retirement even with an average middle-class salary. Firstly, you should contribute to your employer's 401(k) matching fund and invest in a retirement plan such as an IRA.
Your savings will depend on the budget you have for your retirement period. Consequently, you should know how much money you should save.
There are some various ways that you can apply in order to make sure your savings will support you throughout all of your life. These include earning from several sources, withdrawal strategies, tax strategies, and receiving social security benefits (especially when you are married).
Apart from that, you need to think about your expenses. In case you pay off your mortgage loan before your retirement, your expenses should be reduced. Besides, health care that helps avoid unforeseen expenses (such as Medicare and supplemental insurance) and relocation to a less expensive area can also help reduce your expenses.
Being financially sound in the post-retirement period is not necessarily associated with a high salary. With the proper approach, even middle-class earners may live comfortably.