Do you have money stashed away for retirement? A new study from bankrate.com says a far larger number than you think have a big goose egg, not a nest egg, in their accounts.

The survey says 36 percent of Americans have absolutely nothing saved for their golden years. And the Chicago Tribune points out the problem is most widespread among the youth:

More than two-thirds of 18- to 29-year-olds have saved nothing for retirement, while 14 percent of people 65 and older have put nothing aside for retirement, Bankrate.com found.

But despite their lack of retirement savings, millennials feel more  financially secure and optimistic about their personal situations than other age groups.

Kind of a disconnect there, don't you think? Maybe they're all planning on Social Security to be there to fund retirement.

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So what do you do if you're looking for help on this topic? Well, let us help!

Tune in for Dave Ramsey, weeknights at 11:00 p.m and Sundays at 2:00 p.m. Listen to Larry Kudlow, Saturdays starting at 10:00 a.m. And don't forget Bob Brinker and Moneytalk, Sundays from 4:00-7:00 p.m.