One of the major problems is education. The lack of it. Retirement planning courses should be mandatory starting in high school and right through college and beyond. Many people just don't plan for retirement. The key is to start saving/investing early in life, be consistent, take advantage of any employer matching plan, max out contributions when possible, eliminate debt, avoid risks with your nest egg and plan for multiple streams of income once retired (social security, pensions, dividends, part time work, etc.). The site Retirement And Good Living provides information on finances, health, retirement locations, part time work and also has a great blog of guest posts about a variety of retirement topics.