Americans are “highly anxious” about their retirement prospects, a report from the National Institute on Retirement Security found. Eighty-five percent of respondents said they were worried about their retirement in spite of a more stable market, declining unemployment and increased consumer confidence over all.

The report found almost the same percentage of respondents think the average worker can’t save enough on his or her own to guarantee a secure retirement. Three-quarters say the stock market makes it “impossible for the average American” to estimate how much they’ll be able to save for retirement.

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