One multi-decade study suggests nearly half of working households may be at risk of falling short in retirement.

But another respected study found that fewer than 20% were actually behind.

So which one should you believe?

The answer reveals a weakness in the way we typically measure retirement progress.

Here's what you'll learn:

→ Why 2 respected studies reach such different conclusions about who's really at risk

→ The 3 ways the "save a percentage" rule can break down for families

→ Why the years when saving feels impossible may be more normal than you've been told

→ How your 50s and 60s can become the most important saving windows of your life.

By the end, you'll have a better way to judge whether you're truly behind and a clearer picture of the opportunities that may still be ahead.

And if nothing else, you'll understand why a difficult savings season today doesn't necessarily define where you'll end up.

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Episode Resources:

→ Grab the Episode Show Notes

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→ Learn About the Total Retirement System™