The elderly years are one of the most challenging phases of life...it can be an age when all the fatigue of the life seems to have struck you all at once. This is the age when your financial situation is tested the most. Your body may not allow you to work as hard as you used to while you were young, but your financial needs will only see an upward curve considering the increase in medical bills and lifestyle costs that you might have to pay at that age. It is because of these reasons that people worry about not having enough money saved to enjoy their golden years. However, this will not be the case for you if you start planning and saving early. In order to help you make the first step and many more steps towards a secured post-retirement life, we have here a list of 20 EASY TIPS that you can use and implement in your day-to-day life.