Have you socked away $100,000 or more for retirement? Odds are, you haven’t. According to the 2011 Retirement Confidence Survey, fully 76% of Americans have saved less than $100,000. And it’s actually worse than that — 56% have saved less than $25,000. It may seem hard to save money, but once you learn about Oseola McCarty, you’ll see how few excuses you have.

You see, McCarty managed to accumulate way more than the average American — $280,000 — while living in conditions much tougher than…