CNN Money Retirement

States are stepping up to address the low retirement saving rate among Americans who don't have access to an employer-sponsored retirement plan.

The public pension shortfall keeps getting bigger. Here are the worst funded state pension plans.

Even in your 50s, you still have enough time to put yourself in a better position to retire, provided you're willing to make a serious commitment.

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Just because your employer doesn't offer a retirement plan doesn't mean you can't save.

Kentucky isn't the first state to end traditional pensions for new teachers.

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About 66% of Millennials have absolutely nothing saved for retirement. Four of them tell CNN why.

How do you reconcile security concerns with the desire to earn solid returns that can help your nest egg maintain purchasing power over the long term?

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Teachers with pensions still have to think about how they'll cover their remaining expenses in retirement.

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Is it possible to invest your savings and generate the same or more retirement income than buying an annuity? Sure. But it's not a given.

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Instead of spending first and then saving what is left over, do the opposite. Save first, and then force yourself to live off the rest.

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An overly aggressive investing strategy that leaves you vulnerable to severe market downturns as you near the end of your career can be dangerous. But when should you make the shift?

Of Millennials who do save, most have less than $20,000 put aside for retirement.