And it's only going to get tougher - WashPost: "Fiscal trouble ahead for most future retirees."  "For the first time since the New Deal, a majority of Americans are headed toward a retirement in which they will be financially worse off than their parents, jeopardizing a long era of improved living standards for the nation’s elderly, according to a growing consensus of new research."

Related - More and more retirees are spending their golden years in another (cheaper) country.