Americans of all ages and income levels tend to focus more on their day-to-day financial needs rather than saving for the future, even if they are financially literate. This means they may not be preparing enough for retirement. The study looked at different age groups and income levels to see if this trend holds true across the board. The findings show that people of all ages and income levels are not saving enough for the future. To help address this issue, it is suggested that saving for retirement should be made easier and automatic for everyone.