But the news isn't all bad.

If you don’t think you’re saving enough for retirement, you’re not alone, according to an annual survey of Americans’ saving habits.

Only about 40% of U.S. households say they’re making good or excellent progress toward achieving their savings goals, about the same percentage as last year. And the number of respondents who are putting away at least 5% of their income ticked down slightly, to 49% from 52% in 2015.