The economy’s improvement has changed the top reason people give for not saving for retirement — but that doesn’t necessarily mean there’s cause for celebration, because the new reason is given by even more people.

The No. 1 reason people gave in 2012 for not contributing to a defined contribution plan, according to Deloitte’s 13th Annual Defined Contribution Benchmarking Survey, was an “uncertain economy/job market”— cited by 24 percent of respondents.

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