1. On average, how much do the majority of U.S. workers recently surveyed have in total household savings and investments, excluding their homes?

2. Pension liabilities are future payouts that a pension is obligated to make. A pension run by a company that has a large number of workers nearing retirement has more liabilities than one run by a company with a smaller eligible workforce.
Why have pension liabilities for companies greatly increased in recent years?

3. What percent of workers surveyed recently have saved for retirement?

4. What percent of workers and retirees surveyed said they were sure they could come up with $2,000 if an unexpected need were to arise in the next month?

5. This article gives us information about how much employees have saved, according to a recent survey, and how much they could come up with in the case of an emergency. From the 3rd paragraph: "The survey also found that 28% of Americans have no confidence they will have enough money to retire comfortably—the highest level in the study's 23-year history."
No information is given on how old the survey participants are, how much money they make, how much they spend, and what they spend their money on. Why is it important to have these statistics as well?

6. In one way, this information could be discouraging. Instead of causing gloom or fear, what should you take away from this article?

7.  Many people say they "can't afford" to save. List at least 5 items/bills that people could reduce or cut out of their spending.

OPTIONAL:  For discussion in class or with a parent.

• What is your savings plan? Do you have a savings account?
• What are some practical ways to increase your savings and how can you eliminate wasteful spending?