A new report paints a troubling picture for retirees and those considering retirement: retirees have less in savings, are more likely to face poverty, and are hard-hit by inflation.

The report, from online real estate brokerage Clever, suggests that workers in the U.S. don't just fail to save enough for retirement, they have an inadequate understanding of what is needed for a comfortable life after leaving work. Clever conducted an online survey of 1,000 Americans for the survey, released last month.

"Since the start of 2020, Americans have faced punishing economic conditions, making it harder to build savings, climb out of debt, and afford basic necessities," wrote Matt Brannon on the company's blog. "The COVID-19 pandemic upended the housing and job markets, while the recovery period has been plagued by historic inflation and a limping stock market."