A recent study from The Center for Retirement Research at Boston College estimates that more than half of working-age households are at risk of having inadequate retirement resources. Similarly, the National Institute on Retirement Security goes further, claiming that at least 65 percent of workers are saving less than required to meet their retirement income needs. Additionally, the New America Foundation reports that, among middle-income retirees, “[F]ewer than half. . .have any form of pension income, and only a slim majority have any form of asset income.” So it’s not surprising that, according to a recent survey from PBS, 92 percent of Americans believe that we face a retirement crisis. But what do the facts really tell us? How should you respond? We’ll explain.