In order to save for retirement, Americans must start the year off with a retirement savings plan that they can stick to for the entire year, according to Allstate Financial's fifth annual "Retirement Reality Check" survey, which measures Americans' outlook on saving for retirement, and sets forth ways they can achieve their retirement goals.

"Our survey asked people what goals are hardest to achieve, and the clear frontrunners were saving for retirement, losing weight and stopping smoking," said Casey Sylla, president of Allstate Financial of Northbrook, Ill. "A distant fourth-place goal was staying physically fit." Thirty-one percent of survey takers said that saving for retirement is the hardest for people to accomplish.

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