Americans just aren't doing well at saving for retirement—a third of them have exactly nothing put away.

That's according to a survey from GoBankingRates, which found that the news gets even worse.

While 33 percent said they had nothing saved, another 23 percent admitted to having less than $10,000 set aside for retirement—an amount that could be wiped out by a single financial emergency, such as unexpected medical expenses—and another 10 percent said they had saved somewhere between $10,000–$49,000.

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