05/19/2008 - When I saw a statistic that almost half of Americans don't have a retirement plan at work, it hit me: Every time I've scolded people in this column for not taking advantage of their 401(k)-type plan, a sizable group of readers probably yelled back: "Too bad I don't have one, lady." It is too bad.
The Retirement Security Project, a nonprofit group affiliated with the Pew Charitable Trusts and based in Washington, found that more than 75 million American workers, or 48.4 percent, work for employers that don't offer a retirement plan.
But not having a workplace plan doesn't mean you can't save. If you paid too much in taxes last year, saving for retirement can lower your taxable income. And with stimulus rebates and tax refunds on their way, it's a good time to start putting money away.
View Get Started Saving for Retirement on the Post and Courier's site.
Pew is no longer active in this line of work, but for more information visit the Retirement Security Project on PewHealth.org.