But you don't have to be among the disappointed. Here's how to get retirement saving right.

Times have changed, and you don't have to actually talk to a teller to withdraw money. Shannon Schuyler of PwC thinks that's dangerous.

With the markets rebounding, workers with 401(k)s feel more confident about retirement. Everyone else, not so much.

You shouldn't always wait until you retire to pull money from your retirement account.

Q: I am 30 and just starting to save for retirement. My employer offers a traditional 401(k) and a Roth 401(k) but no company match. Should I open and max out a Roth IRA first...

It might seem counterintuitive, but the best savers can be found in the middle class.