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."