What a difference a calculator makes. Hard numbers may be the only thing that can wake up Baby Boomers from their unrealistic retirement dreams, a new survey shows.

When first surveyed by Charles Schwab of San Francisco, 64% of Americans ages 45 to 65 with household incomes of at least $75,000 said they were confident they will have enough money for a comfortable retirement. However, after having their retirement needs assessed by Schwab's Center for Investment Research, confidence levels plummeted by half, to 32%.

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