Americans aren’t saving nearly enough for retirement. Dozens of statistics bear that out, but here are just two from our retirement slideshow, which borrows data from both Fidelity and GoBankingRates.com: 1) Nearly three-fourths of Americans (74%) have saved less than $100,000 for their golden years; and 2) one in three have nothing.

There are many causes for this problem, including flaws in our psychological make-up, such as the tendency to think we’re smarter than we really are, and a difficulty envisioning ourselves in the future. These flaws are at the heart behavioral finance.

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