Alex Browning works at a farm in Hamilton, Mass. The 26-year-old says that unlike some of her friends who work at places with retirement plans, she knows she has to figure out how to save for herself. Chris Arnold/NPR hide caption

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Automatically enrolling workers into a savings plan and then deducting their pre-tax contribution from their paycheck means workers don't see or feel any loss. It sort of tricks our brains into doing the right thing. Annette Elizabeth Allen/NPR hide caption

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Jed Brown drives 100 miles each day to work between Pennsylvania and West Virginia. Cheaper gas is making his commute more manageable, but he doesn't expect the low prices to last. Uri Berliner/NPR hide caption

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While people can often estimate how much they might need for 10 or 15 years of retirement, that calculation becomes more difficult for retirement that could last 20 years or more. Gary Waters/Ikon Images/Getty Images hide caption

toggle caption Gary Waters/Ikon Images/Getty Images

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