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There’s a good chance if you’re reading this, you’re here because you’re saving for retirement. It’s the single-biggest expense most of us will ever have and we’re all looking for ways to hit our “number.” For most of us, it’s what investing – especially dividend investing – is all about: trying to accumulate enough money to punch the clock for the last time and ride off into the sunset.

And, it looks like we are going to have to accumulate a lot more than we anticipated.

As a financial writer, I try to keep my finger on the pulse on the state of retirement in America. This includes reading every study or survey I can get my hands on. Lately, the news has been pretty depressing, even with equities surging over the last few years. Two new studies from HSBC and BofA Merrill Lynch Global Research paint a dark picture of retirement savings and our ability to enjoy our golden years.

But luckily, we can fix things – and considering our futures depend on it, it just might have to.

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