________ of workers feel confident they will have enough money to live comfortably in retirement, only ________ have actually tried to calculate how much they will need when in retirement.

Retirement planning refers to financial strategies of saving, investments, and ultimately distributing money meant to sustain oneself during retirement. Many popular investment vehicles, such as individual retirement accounts (IRAs) and 401(k)s, allow retirement savers to grow their money with certain tax advantages.