"Only 45% of retirees say a workplace retirement plan is an income source, compared with 83% of workers who expect one to be. The median Vanguard 401(k)-style balance for Americans 65 and older is about $95,000, or roughly $3,800 a year using the 4% rule. Many 401(k)s get rolled into IRAs by retirement, so retirees may still be using old workplace savings but under a different label."  MORE >>