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 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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