Thinking of retiring? Better hope you’re not among the more than 50 percent of U.S. households that haven’t managed to squirrel away enough to do so — or that your financial situation deteriorates and endangers your plans. 

While that assessment may be contested by some as an exaggeration, a new report from the liberal think tank Center for American Progress says it’s no more than a “middle-of-the-road” estimate based on its review of studies from a range of government, academic and private-sector groups.

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