Retirement is a dream of all Americans no matter what age they are or what they do for a living. We are all taught from a young age that if we work hard and save our money that we will be able to retire some day. Today it seems however that the retirement dream may be in jeopardy.

Despite working hard retirement has always been a dream that some Americans have not been able to reach. Now more than ever Americans are worried that they will not be able to achieve this. What is the problem? The answer comes in just one word; money.


The economy took a big hit a few years ago and while it is recovering, many American’s retirement dreams and savings accounts are not. People are worried about being able to keep their jobs, the rising cost of living, and high debt levels. Surviving day to day and month to month has taken precedence over retirement planning and saving.

According to a survey that was released by the Employee Benefit Research Institute only thirteen percent of Americans are confident about their retirement. Thirteen percent! That is a horribly low number! This should not be acceptable

One reason that workers are having such a difficult time with retirement saving is that they do not know what is going to happen with Social Security. This is money that should be guaranteed to them, but now that guarantee is up in the air making the future for many very scary. Many American workers had been counting on their Social Security, but not knowing if they can count on it has really put them into a bad position.

No one knows what the future holds. If you want to retire and be comfortable the best thing that you can do for yourself is to save as much as you can as often as you can. The sooner you are able to start the better. Many people wait to start saving because they think that saving a little now will not make a difference. This is not true. The interest you earn having money in a savings account adds up. Even if you only save a little here and there it will add up.

The future is uncertain. The only thing that we know for sure is that we need to save money if we want to continue to hope for retirement. Retirement is a dream that we should all be trying to reach. Do not let someone tell you that you cannot reach that dream, if you try and save what you can, you can get to retirement someday.

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