If you end up just not making these mistakes you'll greatly increase the chances of not being broke when you retire.
1. Delay saving.
2. Shun retirement accounts.
3. Forfeit the employer match.
4. Buy active mutual funds.
5. Carry a credit-card balance.
6. Get a new car every three years.
7. Remodel your home.
Again, DO NOT do these things and you'll do well for yourself.