halo pareshji! to save for your retirement its very easy think and look back when u were young how your parents gave u all food,cloths,ect.u have 2 make some saving 4 your life only u can do it not your bank or your relative..cut down cinema,paw bhaji..expensive cloths.. go work walking..or by bus ..not taxi .. u can think all other ways of savings ..4 your old age .. people will laugh at u if u have 2 beg your children or relatives for food or medical needs.
