They may be battling financial handicaps, but that doesn't mean that Gen X, Y and Z workers aren't striving to set aside as much money as they can toward eventual retirement.

That's among the findings of Principal's annual Super Savers study, which looks at the habits of Gen X , Gen Y and Gen Z (that is, the older Zs) savers who manage to take maximum advantage of employer-sponsored contributions and set aside 90–100 percent of the IRS maximum ($16,500–$18,000) to their retirement accounts.

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Marlene Satter

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