Who's not meeting their retirement saving goals?

Enough people just aren’t saving enough for retirement.

Maybe that’s not exactly news, but the latest survey from America Saves Week indicates that workers have a long way to go in meeting retirement goals — and while they’re making savings progress on other fronts, when it comes to retirement, not so much.

Asked whether they were “saving enough for a retirement in which you will have a comfortable standard of living,” only 52 percent said yes.

That’s actually continuing a downward trend — it’s three points lower than last year’s 55 percent, and down six points from 2008’s 58 percent.

And women are doing worse at retirement saving than men: 57 percent of the guys said they were saving enough for a comfortable retirement, while just 47 percent of women said that.

Why aren’t they saving enough?

Among non-retired respondents, 27 percent cited high day-to-day expenses; another 25 percent put the blame on debt and related expenses, and half of that latter group (12 percent) pointed toward education expenses and debt.

In fact, 22 percent of respondents under 45 years old who were not unemployed said that education expenses and debt were responsible for their not saving more.

Among those over 45 years old who were not unemployed, the biggest stumbling block after day-to-day expenses, with 16 percent mentioning it, was mortgage or housing expenses.

But they’d all like to do better.