I run a retirement calc once a year when I do my taxes. Typically I'm about right on track for recommendations--some times a little bit behind and sometimes a little bit ahead. What concerns me is that the calc also compares my retirement saving to my peers, nationally and in the area. Despite being barely on track, I am way, way, WAY ahead of the average. I thought, surely this cannot be right. So I started talking to friends only to find out that many have very little, like not even one month's worth of pay. Some haven't started saving for retirement at all, and we are in our 30's and 40's. One said he'll just work forever, another said that saving for retirement is for old people. These are not poor people. Some make much more money than I do. They are solidly middle class with all of the middle class luxuries you'd expect... nice TVs, multiple vehicles, cable with all the packages, nice computers, tablets, phones, expensive hobbies, etc, etc. Is this widespread? I worry about a "grasshopper/ant fable" scenario where if so many people don't save for retirement, the government will step in and take away from those of us who did.