This optimism is tempered, however, by the worries of a large part of the population. According to a Prudential study, Turning Employees Into Lifetime Savers, "It's not that Americans don't view retirement as a priority. . . . Across age cohorts, American workers face a gap between what their belief in the importance to save for retirement is and their ability to do so." The Prudential report suggests that the solution to saving more for retirement should "take into account their individual financial lives and needs."
It appears that for those who have been able to save for retirement, things are looking better, but there remains a need to address the underlying inability for many others to achieve this goal as well. There are many who want to save more for retirement, but for whom the financial obstacles simply feel overwhelming.