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12/18/2013 10:57 am ET Updated Dec 18, 2013

Retirement Myths You Need To Ignore

Steven Taylor via Getty Images

Ever find yourself around the watercooler discussing with co-workers how your 401(k) is performing — likely leading to the increasingly popular "I'll never be able to retire" discussion? It's becoming a bit of a modern-day lament, begging the question: Why do Americans have this doom-and-gloom attitude about their golden years' financial situation?

Academic, institutional and media reports tend to serve up workers with warnings — often wrapping up with a "save now and save more" silver lining. It doesn't seem to be inspiring the masses. According to a Wells Fargo study, 37 percent of Americans expect to work until they are too sick to work or die.

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