A worker stands in a construction project in a favela, or shantytown, in Rio de Janeiro, Brazil. The government has helped drive down income inequality by investing in basic services like health care, education and pensions.
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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.
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Phillip Underwood and Michelle Sheridan and their children, Logan and Lilliana, gather in their living room in Frederick, Md., after a long day of work and school. The couple had delayed marriage, in part for financial reasons.