The average American thinks they'll need about $1.8 million to retire comfortably, according to a recent Schwab survey. Obviously, you don't have to save all that on your own, but most people will still need to set aside a six-figure sum. It's a tall order, especially for those with a lot of debt or a low salary.

Even adults nearing retirement age -- those between 55 and 64 -- often fall short. Below, we'll look at what the average 401(k) balance for this age group is, and what you can do if you're worried about not saving enough.

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Source Fool.com