It's not all about saving more.

According to a recent study from the National Bureau of Economic Research, 59 percent of respondents regret not saving more toward retirement.

Not surprising, you may say, and you'd be right. But what might surprise you is that whether they have regrets or not, the biggest obstacle to saving enough for retirement is actually having suffered one or more major life setbacks, something that they may have little or no control over.

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.