The statistics are undeniably grim:
A recent Frontline documentary said 50 percent of Americans say they can't afford to save for retirement, a third have little or no money saved and borrowing from retirement accounts is at a 10-year high.
The New York Times cited even more troubling statistics: 58 percent of Americans have neither a pension plan nor a 401(k), while a third rely on Social Security for 90 percent or more of their income in retirement.
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