A new study brings to light 15 frightening facts about how swiftly the U.S. retirement scenario is changing. Dwindling saving patterns seem to be sweeping away the image of the relaxing “golden years” and replacing them with a harsh reality. In American society, our expectations have risen over the decades, and we expect to command enough money to live as well as during our working years. But as pensions go away and interest rates drop, reality is changing. So what has happened to our retirement plans — or lack of them? n earlier years, no one envisioned working past 65. Now it’s becoming quite common. And when prospects and savings don’t work out, what remains are high hopes of finding work in later years, even if the hopes are unrealistic according to a report at InvestigatingAnswers.