If your retirement date is coming up quick and your savings are right on track, "way to go!" If however you are lagging behind, it’s time to take serious measures. You have three dials on your control panel that you can use to possibly influence how much you’ll have available … time, money and risk. For instance, you may want to set back your retirement date to give yourself more time to save. Or, perhaps you’d prefer to increase your monthly saving amount. The third alternative is to dial up your investment risk. Remember, though, more risk carries with it the ability to earn more and to lose more.