A new survey shows that more than a third of all Americans (36 percent) have nothing saved for retirement. What’s more bothersome is that 14 percent of people ages 65 and older have no retirement savings and a significant portion of those who are saving aren’t saving enough. Not surprisingly, younger adults have significantly less likelihood of having savings (69 percent of 18 to 29 year olds have no savings). With fewer businesses offering retirement plans and Social Security still not seeing a fix for the problems it’s expected to see in just 20 years, the burden for retirement falls more often on the individual. Many people give the cost of living and day-to-day expenses as their primary reason for not saving or not saving enough. According to Bankrate, the origin of the survey, many people don’t save because they don’t have access to a workplace retirement savings plan. Another problem though is that many are in denial about what their financial needs will be in retirement. I’m reminded of the expression, “a journey of a thousand miles begins with a single step.” If you don’t have access to workplace savings, consider hiring a financial professional to help you get started on the right track to retirement.