Boomers face significant challenges to make ends meet in their retirement years, and they'll need to make every dollar count -- there isn't much margin for making mistakes. Here are four big mistakes that roughly half of all Americans are making -- and a few tips for avoiding them.



According to Social Security's Annual 2010 Statistical Supplement, 47 percent of Americans who retired in 2009 -- almost half -- started their Social Security income at age 62, the earliest possible age with the lowest possible benefit. Almost three-quarters -- 74 percent -- of Americans started benefits before their full retirement age.



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