While at first blush, it looks like they will have enough income to enjoy a comfortable retirement, in reality they may not, because most folks greatly underestimate two important factors!

FORBES: Will You Have Enough to Retire?

If you don't feel comfortable contributing a full 20% of your income to retirement and long- term savings, at least stash the maximum into your employer's retirement savings account, an IRA or self- employed retirement plan.

NPR: Untangle Your Finances Before Tying the Knot

"The government assumes that, at that income level, her husband is putting away enough money for both of them for a comfortable retirement, " Lee says.

FORBES: Back To The Future: Rethinking Retirement