Its that time of year when not only are we looking to save money on holiday gifts but its also the end of the year when we realize we haven't saved enough for ourselves and our retirements. 

KCBS Radio news reporter Holly Quan talked to Samantha Ettus, a financial expert who says its never too late to put a dollar in the bank for yourself. 

<p>Its that time of year when not only are we looking to save money on holiday gifts but its also the end of the year when we realize we haven't saved enough for ourselves and our retirements. </p>
<p>KCBS Radio news reporter Holly Quan talked to Samantha Ettus, a financial expert who says its never too late to put a dollar in the bank for yourself. </p>

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