They may be battling financial handicaps, but that doesn't mean that Gen X, Y and Z workers aren't striving to set aside as much money as they can toward eventual retirement. Related: Getting millennial employees on board with financial wellness That's among the findings of Principal's annual Super Savers study, which looks at the habits of Gen X , Gen Y and Gen Z (that is, the older Zs) savers who manage to take maximum advantage of employer-sponsored contributions and set aside 90–100 percent of the IRS maximum ($16,500–$18,000) to their retirement accounts. The study breaks respondents down into super savers and "pre-super savers," the latter of whom managed to save 70–89 percent of the maximum, or 13–14.99 percent in 2018. As might be expected, the differences between the two groups aren't huge, since both obviously place a high priority on saving for their futures. Interestingly, pre-super savers are actually a bit more confident about their financial futures than are super savers, at 52 percent compared with 43 percent. But after that the two groups track together pretty closely. The slides above offer a look at 10 traits that distinguish these super savers. READ MORE: HSAs: Moving from spending to saving to strategizing How much do you need to save for retirement? How about $1.7M? Retirement saving issues not just a U.S. problem