It's difficult to get a firm read on the retirement readiness of Generation Y. They're highly confident, according to State Street Global Advisors, whose research shows 82% of Gen Yers (age 25 and younger) are sure of their ability to retire comfortably.

Oh no they're not, concludes the Employee Benefit Research Institute. EBRI's surveyed age bracket skews older (25-34), but it finds the youngest workers only two percentage points more assured of retiring in the lifestyle of their choice than the population at large.

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