Are you saving for your retirement? If you are working, you are. You put 4.1 percent of your paycheck into Social Security, through the FICA tax. Now consider if we had no Social Security. Understandably, the vast majority of workers would be worried about paying the bills on their current income, their coinsurance for health coverage, and their mortgage, not to mention saving for college for their kids. Retirement savings? That can be put off another day, month, year, decade. ...