Many Americans say it's difficult paying monthly bills and saving for retirement.

RETIRE? Not in your lifetime.

As many as 37% of middle-class Americans expect to work until they’re too sick — or until they drop dead, according to a survey by Wells Fargo.
“It’s really depressing,” Laurie Nordquist, Wells Fargo’s head of institutional retirement and trust, told the Daily News.

More than one-third (34%) said they will be working until they’re at least 80 years old because they will not have saved enough for retirement, up from 25% in 2011.
Saving for retirement has taken a back seat to just getting by — 59% said their top financial headache is paying the monthly bills. That’s up from 52% in 2012.
Sadly, building up a nest egg ranks a distant second place, with a measly 13% calling it a priority.

Four in 10 middle-class Americans said saving and paying the bills simultaneously is simply not possible.
“They’re giving up,” Nordquist said.

The dour report comes even as the economy is on the mend and the stock market is on a four-year tear, sending stocks to historic heights.
“It’s interesting: There is good economic news, but the middle class isn’t feeling it,” Nordquist said.

One big area of concern is the stock market — this key vehicle for building up retirement nest eggs has become a turnoff for the middle class.
Only 24% said they were confident in stocks as a place to build up their savings, meaning many may have missed out on the bull market.

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