3 Reasons it's Harder to Retire Today

Here's something many are aware of, but new surveys provide fresh reminders on a regular basis: Nearly half of Americans age 55 or older have nothing saved in a qualified retirement account.The most recent data come courtesy of the U.S. Government Accountability Office.Its study found that 48 percent of the over-55 age group had absolutely nothing invested in a 401(k) or similar account, or in an individual retirement account.