Gen Xers are sitting in the catbird seat when it comes to retirement—at least they think so. Most are already planning and saving for retirement, and they're optimistic about their efforts.

The latest Ameriprise Financial "Retirement 2.0" study found that not only do 76 percent of Gen Xers (that generation aged around 35–48 today) say they're proactively planning for their retirement, 79 percent say they're saving through a 401(k) plan and 69 percent are using an IRA or similar account to do so.

The study, which surveyed Americans with at least $100,000 in investable assets, found that Gen Xers got a head start on planning and saving, beginning to sock money away at an average age of 26.

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