By Jeanette Pavini If you’ve been kicking this can down the road, now is the time to start setting money aside for your later years. Benjamin Franklin said, “If you fail to plan, you are planning to fail.” This advice holds true when it comes to your retirement savings. In addition to having a plan, there are two other key elements to a successful retirement: commitment and money. The U.S. Department of Labor’s Employee Benefits Security Administration offers insight to help people build financial security in their retirement. In fact, according to the administration only 50% of Americans have…