If you’re anything like the average StreetAuthority reader, you worked hard, put food on the table, own a home, put kids through college — and still managed to put something away for your golden years. And now most of you are probably hoping that between your savings, investments and either a pension or Social Security, you’ll have what you need.

#-ad_banner-#But you’re just not sure.

It doesn’t take a PhD in economics to understand why you should be concerned, either.

Central banks around the world are devaluing their currencies and pushing interest rates through the floor. As I write this, the 10-year German “bund” (or bond) yields just 0.13%. Shorter durations (ranging from one year to nine) actually have negative yields. And that’s from one of the stronger members of the Eurozone.

On the other hand, a 10-year Swiss bond will get you just -0.37%. And Japan, meanwhile, offers a 10-year at about -0.1%. The list goes on and on…
 

The situation is only slightly better in the United States. A 10-Year Treasury Bond yields a paltry 1.75%. And after years of maneuvering in response to the financial crisis, the Federal Reserve willingly admitted that it has nearly exhausted all of its resources to try and stimulate the economy.

Think about that. Instead of earning interest on your savings, you’d have to pay the bank to hold your money in these “safe” investments. And they banks are getting away with this. It’s one of the worst deals you’re likely to ever come across in the market.

Any way you slice it, policies like these punish savers.

Then, of course, there’s the blatant disregard of ethics (and the law) displayed by many of the Wall Street banks. Just this past week, banking giant Goldman Sachs agreed to a $5 billion settlement in response to its handling of risky mortgage securities that helped spur the financial crisis.

I don’t bring all of this up to simply get your blood boiling. If you’re already retired, please, whatever you do, don’t believe the lie that it’s too late. Feeling discouraged and throwing your hands up in exasperation and saying “I give up!” won’t accomplish anything.

The fact is, despite all of these challenges, it is possible to achieve a secure retirement. And it’s never too late to do it.

To prove my point, here’s what my colleague Amy Calistri told readers of her premium newsletter, The Daily Paycheck, back in November last year:

Last year Amy was able to continue building her dividend income — to the tune of $19,639. And just like she mentioned it wasn’t through any sort of exotic trading technique. She didn’t take on an unnecessary amount of risk, either. She simply found the best dividend payers on the planet, bought shares, and then reinvested the income she earned to buy more shares.

If you’re not already following a similar strategy, it’s time to get started.

Here’s my advice: Don’t worry about what you’re up against. Focus on the task ahead. We can give you the tools you need — in fact Amy just released an all-new information guide on the latest blow to investors (including what you can do about it). It’s now available for free online.

For Amy’s part, she and her subscribers generate more and more income each year by using her Daily Paycheck Retirement Plan. In fact, Amy’s been able to bring in about $17,000 a year, on average. You can do the same. To learn more about the challenges facing investors today and how Amy and her subscribers plan to fight back and earn more income each and every year, go here.