There is a silver lining to the lack of confidence seen today’s in employees planning for retirement. Nearly 70% of workers say they need to save 10% or more of household income in order to have a financially secure retirement. Four in 10 put the goal at 20% or more. While those may be just guesses, they are at least in the right direction for many workers. The average person needs to save about 11%-15% over the course of a career—including employer match—in order to save enough to adequately fund retirement. We think they should shoot for having enough to replace 85% of pre-retirement income. So seeing that so many workers at least recognize that it will take double digit savings is encouraging according to a recent report at www.foxbusiness.com.