Americans are, by reputation, irrepressibly optimistic. It's clear, however, they need to get real when it comes to retirement planning. A recent Ameriprise Financial survey found that two out of three respondents say the road to retirement has been "smooth" — despite the market downturn, real estate collapse and high joblessness that marked the Great Recession.
Ameriprise's study identifed a range of retirement "derailers," events that can often set us back by thousands, if not tens of thousands, of dollars.
According to Ameriprise, 10 of these derailers stand out as the most prevalent — and damaging:
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