Your retirement plan depends on your access to a retirement plan from your employer, which can ultimately hurt your eggs nest.

Catey Hill of Market Watch writes that about 40% of private-sector workers between the ages of 18 to 64 do not have access to their retirement plan.  States like Florida , Texas, and New Mexico have it worst, with less than 50% of workers being able to access their retirement plan.

Furthermore, Americans as a whole, both those with and without company plans, are undersaved for retirement -- a problem that’s gotten worse in recent decades, as Obama alluded to when addressing the joint session of Congress in his State of the Union address Tuesday: “It’s not much of a stretch to say that some of the only people in America who are going to work the same job, in the same place, with a health and retirement package, for 30 years, are sitting in this chamber…for everyone else, especially folks in their 40s and 50s, saving for retirement or bouncing back from job loss has gotten a lot tougher.”

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