You may have visions of spending your retirement on a sun-soaked vineyard in wine country. But according to a September 2018 report by the National Institute on Retirement Security (NIRS), more than 100 million working-age Americans (57%) do not have retirement account assets. And even if you do save, the same study found that a whopping 68% of individuals between the ages of 55-64 have only less than one year’s worth of their annual income tucked away for retirement. If you find that you’re one of these individuals, it might be time to reassess. Here’s how you can live a frugal retirement. 1. Stick to a Budget Financial experts have long touted a successful budget as one of the most powerf