When it comes to saving for their retirements, more and more Americans admit they’re not saving enough -- or not earning enough -- to ensure they’ll have the cash they’ll need to ride out their golden years in style.

Soaring health care costs, the implosion of the U.S. housing market, high unemployment and the stock market’s recent and fairly sustained volatility are often cited as the main reasons for many Baby Boomers’ and even younger workers’ inability to put aside the requisite resources they'll need in retirement.

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