Job uncertainty and debt have driven Americans’ confidence to retire comfortably to near record lows, according to the 2012 Retirement Confidence Survey, an annual survey co-sponsored by the Employee Benefit Research Institute and market research firm Mathew Greenwald & Associates, Inc.

The survey found that 14% of workers and 21% of retirees are very confident of having enough money to live comfortably throughout their retirement years, down substantially from confidence level highs of 27% and 41%, respectively, in 2007. The 2012 retirement confidence levels are among the lowest recorded in the survey’s 22-year history. 

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