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A recent survey from ING Retirement Research Institute showed that Americans could save more for retirement, but don’t. Is it possible they are too concerned about their present economic status and can’t think about the future yet? While everyone knows those who save for retirement early will reap the most benefits, Americans still tend to hold off on investing more.

Nowadays, we hear that the Baby Boomer generation has chosen to hold off on retiring and stay in the workforce because they just can’t afford to retire. Are younger generations assuming they have plenty of time to save for retirement because they will be in the workforce longer as well? Americans seem to be spending too much time on the present instead of their futures. If their focus is planning for the future now, they might just want to retire early.