there are a lot of issues at hand and many of them go back to this economic downturn that we've just gone through. unemployment is high, so are foreclosures. a lot of companies stopped matching 401(k) contributions on top of that so saving 10% of your income that most financial planners suggest is difficult for a lot of people. for some people it's just downright impossible. for many it means making major life decisions. a quarter of workers say they're postponing retirement. but that's not an option for everyone. some people have health concerns and things like that that makes it so that they have to leave their job. for them, they're retiring into what will probably be a lower quality of life because they won't have the income they had before retirement. so the lesson here, do something. don't just sit there and not pay attention to it. the study shows that more than half of workers have never even tried to figure out how much they need to save for retirement. it's a lot easier to do this when you're younger and you have time to make changes to your fiscal habits. so it's something everyone needs to think about. we harp on it but it's really important. as for stocks, they're doing the flat line dance today.