Some simple changes to your 401k can double, Yes Double! your prospective nest egg. We are talking about doubling your 401k for the average 45 year old worker making about $50,000 a year. We have put together some easy ways to secure your retirement.

Step 1
Start to Save more - The typical worker saves about 6% of their salary, if you could eventually boost that to 10% along with an employer match, you will be well on your way to a comfortable retirement.

Step 2
Boosting Asset Allocation - Try to improve those returns, don't play it too safe. A 40 year old has another 20 years to save. Have a well diversified portfolio, be invested in stocks and international equities. Spread your money around and aim for an 8% annual return.

Step 3
Work a little longer - Plan to work 2 years longer to age of 67 if you can. Most people think they can retire at 62 because that's when social security kicks in. You should be looking to collect maximum social security benefits.