Saving for retirement is definitely not the highest priority on the list for 36 percent of Americans.

That's how many have zero, zip, nada put away for the time when they'll leave the workplace for good, according to a survey from Bankrate.com. 

While the largest segment of the population in that group of non-savers is, perhaps unsurprisingly, 18-29 year-olds (69 percent of them haven't yet begun retirement savings), what might be surprising is that those who are saving have started earlier.

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