Americans won’t be able to fund their retirement dreams.

At least not with the $25,000 401K plus $100,000 in personal savings that the average American has, reports Forbes.

The outlook is dire, going from bad to worse. The first wave of baby boomers, says Forbes, will be forced to come back to work; the next will have to delay retirement; the third will never be able to retire; and the fourth will be faced with a lack of savings, employment possibilities and bad health.

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