There are 401K, 403b, Roth IRA, traditional IRA, SIMPLE, pension plans, social security, and investments. But many people don?t have enough funds in those accounts.
I also agree with the previous answer that many people don?t save anything and it might just turn out to be the best way to live.
Source: http://rothira.solve-up.com/roth-ira/how-do-most-americans-invest-for-their-retirement/
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