11 pages. Excerpt: More than half of retired and employed Americans say the market crisis has forced them to make concessions in their lifestyle. They are spending less, postponing retirement, living modestly -- all in an effort to save more money and rebuild their retirement security. Half of Americans are behind in reaching their goals, so suffering market losses has led many to make immediate shifts in their behavior, with a renewed focus on protection and preservation. Retirees are making the most significant concessions. In fact, nearly half are living modestlyor struggling.