As someone who's about to quit to go work on their startup, glad to know things are gonna be terrible if everything goes to shit and I need to return to the job market.
I see these reports as statistics. “54% Americans have zero retirement savings” doesn’t mean that I should expect a 50% chance my savings will magically disappear when I retire.
You have to be careful with statistics, and news in general. Remember that your life is your own, with a unique set of circumstances, and think for yourself.
