Enter multiple symbols separated by commas

25% of Americans saving $0 for retirement

Amanda Rohde | E+ | Getty Images

Retirement savings for about a quarter of Americans amounts to ... $0.

One in every four Americans is not saving for retirement at all, either because they are not thinking about it, do not really know how or, worse, do not feel they can afford to, according to a report by Country Financial.

Read MoreThe millennial retirement problem

Americans ages 18-29, often called "millennials," are among the worst when it comes to saving for retirement, the firm said. Nearly a third—32 percent—aren't saving at all for their "golden years."

Many 20-somethings might just be pulling themselves out of the swamps of student debt, or maybe they just think retirement is too far in the future to worry about.

Read MoreNeed a 401(k) boost? Sell collectibles

The latter might not be the best approach, said the report. Almost half of people 40 years or older claim to regret their retirement decisions.

But there may be some deeper problems at work. Forty-six percent of those who aren't saving say they cannot do so on a middle-class income. That number has risen since 2011.

Read MoreOlder Americans seek roomies to survive

There are also knowledge gaps, though. Fifty-five percent of Americans don't know if they are participating in a 401(k) plan, and of the 45 percent who do, only three in 10 know how their money is being invested.

Financial Advisor Council

  • Ivory Johnson

    Founder, Delancey Wealth Management. 20 years of investment experience.

  • Diahann Lassus

    President, chief investment officer and co-founder Lassus Wherley.

  • Steve Lockshin

    Steve Lockshin is founder of Convergent Wealth Advisors.

Financial Advisors

Latest Special Reports

  • CNBC's ninth annual study measures all 50 states on more than 60 different metrics.

  • Waitress tablet

    Trailblazers leveraging the power of technology and innovation to grow their business—and disrupt the competition.

  • Advisor-centric content with guest columns covering practice management, investment strategies and marketing/social media.