Almost half of Amer­i­cans approach­ing retire­ment have noth­ing saved in their employ­er spon­sored 401(k) or an indi­vid­ual account.  If there is any good news, this num­ber has improved over a few years ear­li­er.  Still, of those 55 or old­er, 48% had noth­ing put away, accord­ing to a recent GAO estimate.