"A study of 10,000 U.S. workers' investment accounts shows the recession will keep them on the job at least two years longer, until an average age of 73, if they want to retire comfortably. ... -Four-fifths could not afford to retire by the age of 65. -Employees who contribute to their 401(k)s and earn $60,000 to $70,000 a year recorded the lowest projected retirement age, 69.9 years. -Those who earn less than $25,000 a year have the highest projected retirement age, 77.9 years."
Then too there are Gen X, 1964-1976 (46-34, the Baby Bust group), and Gen Y, 1976-1992 (34-18, the Echo Boomers). "60 percent of Gen Y'ers have not seen their credit score in the past year, and 44 percent have never seen their credit score."