As important as it is for American workers to save enough for retirement—and to be sure that investments in their retirement plan are appropriate for their needs—most can't pass a 6-question quiz designed to help Americans focus on six categories within retirement planning.

Forbes reports that most Americans come up short on the quiz, from The American College of Financial Services and the New York Life Center for Retirement Income, and are only able to correctly answer two or three questions out of the six. And that doesn't bode well for their future retirements.

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