As an independent Certified Financial Planner with more than 20 years experience, I’ve noticed a couple of emerging patterns, such as the large number of people who have nothing saved for retirement and no spare money to invest or those who are young and may be able to use flexibility to get ahead. At first glance, it may seem that there is little some people can do to change their lives. They may be single mothers with young children, have consumer debt or have low-paying jobs with no ladder to climb. It appears to be a dilemma. Here’s how you can improve your situation.