If you’re like most people, you look forward to retirement with a mix of excitement and dread, and if you’ve saved little for retirement, the latter can outweigh the former. The experts at Fidelity recommend having 10 times your salary saved by age 67. Since the average U.S. salary was $53,383 in 2020 — the most recent year for which the Social Security Administration has data — that means the average 67-year-old should have more than $533,800 socked away. Yet the average retirement savings for people ages 65 to 69 was $206,819 in 2020, so a large majority of people entering or in retirement have little to nothing saved. Here are some strategies you can use to retire cheaply.