But the reality is one in three people, according to the report from GOBankingRates, haven’t saved a dime for retirement and that’s looking at across the age spectrum.

The study by the website surveyed about 1,500 people, about half of whom have put away less than $10,000.

“In your mid-30s, early 40s, late 40s, life is expensive,” said Sarten. “Marriage is expensive. Kids are expensive. And so, generally what we see is people tend to boost their retirement savings in their late 50s and early 60s and that’s OK.”