"Multiple surveys reveal that Americans are getting increasingly jaded about their prospects for enjoying a relaxing retirement, so much so that many are throwing in the towel and not even bothering to plan for it at all.... 84% of [respondents to one survey] characterize the idea of a retirement where they can do what they want as a 'fantasy.' A second study ... finds that one in five Americans thinks they'll have to keep punching the clock until they literally can't work anymore ... More than 80% of workers who have already hit the 60-year milestone expect to work past 65, already are or don't plan to retire at all.... About two-thirds of Gen X'ers and half of Baby Boomers ... think the amount they're expected to save will be impossible to reach."