Only 34% of Americans expect to be prepared for retirement, according to a recent Wall Street Journal Online/Harris Interactive poll of 1,772 people who are key financial decision-makers in their households. Nearly a third, 27%, don't think they'll have enough money saved, and 39% are not sure.

Men believe they are better prepared for retirement than women, with half of men between the ages of 18 and 34 reporting they expect to have enough money saved for retirement, versus less than a third of women in that age bracket expecting to be ready.

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