When researchers for a recent IPSOS/USA Today survey asked 45-to-65-year olds how prepared they felt for retirement, 59% responded that they felt very or somewhat prepared.

The same percentage said they expected to rely mostly or entirely on their own savings to fund their post-career life. Asked how much savings they had, however, only about a third had set aside even $250,000, while another third had saved less than $100,000. All of which suggests some people could be in for a rude awakening come retirement time. To get a better handle on whether you’re really on track when it comes to retirement, ask yourself these three key questions.