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Are Americans 'Winging' Their Retirement Plans?
Reuters in FoxBusiness.com 
July 30, 2012
"[A recent] survey indicates that 'retirement planning' is a very loose concept among Americans. In many cases, the approach could be better described as wishful thinking.... [S]ome points of concern raised by the study: 1. Savings rates remain very low... 2. Retirement targets are also too low ... 3. Too many people are relying on guesswork... 4. Funding levels are off target ... 5. People seem to be betting on good health... 6. Many start planning too late."
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