The future is grim. A national survey found 36% of workers have less than $1,000 in savings and investments for retirement. And 60% have less than $25,000. What’s more, most people aren’t doing anything about it- less than half of people have even tried to calculate how much dough they’ll need to retire comfortably. The most common reasons people gave for why they’re not saving more for their golden years are cost of living and day-to-day expenses. Still, the number of people who feel very confident they’ll have the money they need to retire when the time comes has risen five percent since last year. Want to beef up your nest egg? Experts say people 40 and older should aim to save up to 20% of their income.