The 'R' moment looms closer than ever, but if you get serious now, you can still catch the magic bus.
Status Check: Tell it like it is
You suspect that you don't have enough, but have you ever stopped to figure out how behind you are?

"For God's sake, do a reality check," says Mari Adam, a financial planner in Boca Raton. "You may find you are doing better than you thought. If not, the sooner you find out, the easier it will be to catch up."

Studies have shown that the very act of planning can improve the odds of financial success. Start by pulling together financial information: your latest 401(k) and bank statements, your estimated Social Security benefit (visit ssa.gov) and your projected pension payout if you're fortunate enough to have one. (Ask your benefits office to run the numbers.)

Then go online to a retirement calculator, such as Fidelity's Retirement Quick Check, which will tell you how much you need to put away each month to give you the retirement income you'll need.

Or you could consult a fee-only financial adviser. (Get referrals at garrettplanningnetwork .com or use the search tool at fpanet.org.) You can also get a rough idea of how much you'll need by checking "Are You on the Bus?" below.

If the numbers look scary, remember, you don't have to stash away whopping sums all at once. And you can continue to work beyond retirement age. But you do have to get moving.

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Market indexes are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer LIBOR Warning: Neither BBA Enterprises Limited, nor the BBA LIBOR Contributor Banks, nor Reuters, can be held liable for any irregularity or inaccuracy of BBA LIBOR. Disclaimer. Morningstar: © 2014 Morningstar, Inc. All Rights Reserved. Disclaimer The Dow Jones IndexesSM are proprietary to and distributed by Dow Jones & Company, Inc. and have been licensed for use. All content of the Dow Jones IndexesSM © 2014 is proprietary to Dow Jones & Company, Inc. Chicago Mercantile Association. The market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. FactSet Research Systems Inc. 2014. All rights reserved. Most stock quote data provided by BATS.
Market indexes are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer LIBOR Warning: Neither BBA Enterprises Limited, nor the BBA LIBOR Contributor Banks, nor Reuters, can be held liable for any irregularity or inaccuracy of BBA LIBOR. Disclaimer. Morningstar: © 2014 Morningstar, Inc. All Rights Reserved. Disclaimer The Dow Jones IndexesSM are proprietary to and distributed by Dow Jones & Company, Inc. and have been licensed for use. All content of the Dow Jones IndexesSM © 2014 is proprietary to Dow Jones & Company, Inc. Chicago Mercantile Association. The market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. FactSet Research Systems Inc. 2014. All rights reserved. Most stock quote data provided by BATS.