Live Within Your Means and Save for Retirement According to Yahoo Finance, Americans are delaying retirement, and 64% of them will retire broke. It’s predicted that another 19% will retire with less than $10,000. This paints a grim picture for retirement if you’re not careful. Saving for your golden years is about ensuring you don't retire without the gold. To do that, you have to live within your means. For Gronkowski, his means were equivalent to the income generated from endorsement deals, and not his unguaranteed NFL contract. Gronkowski realized that living within your means is not about the digits on your paycheck. Instead, it is more important to pay more attention to your net income.