Talk about the best intentions.
Who out there doesn't mean to save more for retirement?
After all, there's no shortage of reminders about how the retirement equation has changed: Work longer-live longer, save more-spend more.
Then, of course, there are the big questions: Will Social Security Insurance system survive? Will you outlive your savings?
Americans are worried and skeptical, but there are plenty of recent studies that point to a savings gap.
A report by the Transamerica Center for Retirement Studies showed only 39 percent of the respondents believe they are building a sufficient nest egg.
A Scott Trade survey found that 50 percent or more either believed that Social Security would run out or would not be enough to live on.
Experts say the best savings strategy is start young, whether it's a simple bank account or, better, your company 401(k), if you are fortunate enough to have one.
Start early and set goals along the way, they add, and come up with an informed and realistic magic number.
And for those who need to play catch up, don't despair. There are ways and some of them are tax free. Even if you don't meet your goal, chances are you'll be saving more.
So, tell us. What's your goal?