The economy might be looking up, but retirement confidence is generally down. Just 14% of Americans feel they will have enough in savings to retire comfortably, according to the 2012 Retirement Confidence Survey from the Employee Benefit Research Institute. The percentage of workers who expect to retire by age 65 went from 11% in 1991 to 37% in 2012. In total, 60% of workers report that the total value of their household’s savings and investments, excluding the value of their primary home and any defined plans, is less than $25,000.

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