John P. Napolitano: Some steps to take for early retirement

Retiring while you're still young enough to enjoy it is a goal that many people dream about.

Only about 20 percent of Americans, however, have saved enough to feel confident about leaving the world of 9-to-5 before becoming eligible for Social Security. In fact, the 2007 Retirement Confidence Survey conducted by the Employee Benefit Research Institute indicates that nearly half of workers saving for retirement report total savings and investments of less than $25,000.