While Congress haggles over what to do with the money you've sent them, a lot of you are trying to figure out how to stretch the money you get to keep.
In fact, a sobering new study out just this week from HSBC found 18 percent of Americans, nearly 1 in 5 of you, think you'll never be able to retire.
According to the survey, 90 percent of Americans were derailed in their retirement savings because of either a job loss or the crash of the housing market. Some spent their money helping family members stay afloat.
Rosie Gradillas is one of those Americans wondering if she'll be working through retirement.
When things got tight, the single mother of two had to dip into her retirement funds to make ends meet.
Then came the economic plunge. Rosie got laid off and joined the many Americans looking for work.
She found another job, but the interruption cost her part of her retirement nest egg.
Now she's left with the big debate -- retire or not retire?
"I'm probably not going to be able to have the money that I have now that I'm working to spend. Well then I go, 'I'm pretty healthy. Maybe I can keep working until I'm 70 or 75.' But I don't want to spend the rest of my life working and not enjoying life," said Rosie.
The study also shows 50 percent of American's aren't saving for retirement.
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