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More working Americans say they’ll have to save over a million dollars to retire comfortably, despite expecting less when the time comes to retire, according to a new retirement survey by Schroders PLC, reports 401K Specialist. The survey found working U.S. adults ages 45 and older believe it will take close to $1.1 million dollars in savings to retire, yet only 21% expect to reach that mark. In fact, 59% say they expect to have less than $500,000 saved, and 34% forecast less than $250,000 in savings.