Saving for retirement can be really tough—as evidenced by the number of people who have exactly $0 saved toward that goal.

While the ability to put money away varies from person to person, it can also change from region to region.

Lots of factors go into a worker's ability to set money aside: everything from the unemployment rate in his or her home state and the business climate—whether companies feel that a retirement plan is an important part of an employee's benefits package—to how many full-time, permanent jobs, complete with benefits, can be had.

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