"Here's the dirty little secret of the retirement industry: Experts know that their widespread, dire warnings of a 'retirement savings gap' may be exaggerated. Retirement experts now say there's no way to calculate the true number. Nevertheless, everyone assumes there is a significant gap. After all, Americans generally are lousy at saving, with a rate approaching zero today. The financial crisis undoubtedly made their situation worse. And the risks of assuming that people are saving enough are much worse than the risks of overplaying the problem."  MORE >>