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We’ve all heard the horror stories and warnings. Americans are woefully underprepared for retirement.

For whatever the reason, our savings rates and accumulation amounts are not sufficient to help get us through our golden years. Especially when you consider rising health care costs, dwindling pensions and the potential for cuts to Social Security. The overall need to save more is huge.

And it looks like Americans may finally be getting the message.

A new survey by trade group Employee Benefit Research Institute (EBRI) shows that Americans are starting to take their retirements serious. Participation rates for 401(k)s and individual retirement accounts (IRAs) are growing like weeds. More importantly, balances are going up as well.

While it’s not perfect yet, it’s a major start. And we may finally be getting over the savings crisis.

Want to retire in peace? Follow our Retirement Center.

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