Nearly half of Americans aren't confident they'll be able to save enough for retirement, according to the latest Wells Fargo Middle Class Retirement Study.

The top savings priority for 59 percent of the middle class is paying their bills. Saving for retirement came in as a very distant second place, with 13 percent of respondents calling it a priority.

Forty-two percent of those surveyed said both saving and paying bills isn't even possible.

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