Emergencies are taking a toll on Americans' retirement savings—those who are managing to save, that is.

Thirty million Americans took money out of their retirement savings within the last year to deal with an emergency, according to Bankrate.com. And 21 million aren't saving at all for retirement.

The news is worst for people closest to retirement, those aged 50–64; 26 percent of that group said their financial situation has deteriorated over the past year.

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