Discuss what you believe to be the real reason most people don’t save for retirement at a young age, or even at all.

Starting to save for retirement at a young-adult age typically requires only a small, affordable, monthly amount to grow into a potentially large nest egg at regular retirement age. Why do you think many Americans are not saving for their retirement? Discuss what you believe to be the real reason most people don’t save for retirement at a young age, or even at all. What do you think we can do to change this trend?