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8 Issues Making It Harder for Americans to Retire 8 Issues Making It Harder for Americans to Retire Finding a way to retire is tough in the best of times. These obstacles are making it tougher. Koraysa / Shutterstock.com Finding a way to retire is hard enough in the best of times. Scrimping and saving your way to a decent-sized nest egg is perhaps the biggest financial challenge most of us will ever face. Unfortunately, there are many obstacles outside our control that make it even more difficult to retire. Recently, the National Institute on Retirement Security polled more than 1,200 Americans and asked them to name the biggest factors that contribute to their struggle to prepare for retirement. ....