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Thirty-two percent of working-age Americans – about 58 million people – have no retirement savings, according to a recent analysis by The Penny Hoarder, reports BenefitsPro. Younger workers had the lowest savings rate, with nearly half of working-age adults in their 20s having no savings, the report says. According to the data, confidence in retirement finances steadily increases with age. Only 12% of the youngest respondents said they believe they are on track for retirement, while nearly 57% of those 70 years and older said they are on track the analysis found.