Overcast with some light ground fog for good measure this Wednesday morning on California’s north coast — a chilly wind also moves around the moist, too.
Rain now maybe set for Sunday, forecasters moving arrival up a few days earlier as they so oft are disposed.

As a nine-month-old retiree, I never had a pension, and the only retirement plan for me was the one offered via Social Security. A new survey indicates much the same for a lot of folks — some to labor forever
Via Raw Story:

“Thirty-one percent of non-retirees have no retirement savings or pension, including nearly a quarter of those older than 45,” the Fed said.

(Illustration: Pablo Picasso’s ‘The Frugal Meal’ found here).

Further for the future:

The Fed’s 2014 Survey of Household Economics and Decision making found that about 38 percent of the more than 5,800 respondents have either no intention to retire or plan to keep working for as long as possible.
…
“Even among individuals who are saving, fewer than half of adults with self-directed retirement savings are mostly or very confident in their ability to make the right investment decisions when managing their retirement savings.”
The survey, which was conducted in October and November last year on behalf of the Fed board, also found that among lower-income respondents, whose household income is less than $40,000 per year, 55 percent plan to keep working as long as possible or never plan to retire.

Work til ya drop. And at least make more money — more from the Fed’s survey from USAToday:

Twenty-nine percent of those surveyed expect their income to be higher in 2015, up from 21 percent the previous year.
…
The respondents’ bullish outlook on their income is consistent with other reports showing that wage gains are finally picking up after years of stagnation since the Great Recession.
But their views varied by income level.
Twenty-two percent of those with less than $40,000 in annual income expect it to be higher this year, vs. 36 percent of those with incomes above $100,000.

And apparently the whole world is in a similar retirement craft — no shit from shiola.
This morning from Bloomberg:

You can almost feel the shrug in French workers’ responses to questions about retirement.
About 60 percent say they have no retirement plan, and just 8 percent of those with a plan have it written down.
They have lots of company in Poland and the Netherlands, where the percentages are similar.
The minority of global workers who are serious retirement planners — people who not only have a plan in mind but also say they have a written plan — are in Brazil, at 23 percent, as well as in the U.S. and India, both at 21 percent.
While a retirement crisis looms in the U.S., the percentage of American workers saying they are habitual retirement savers tops the global average, according to a survey of retirement readiness by the Aegon Center for Longevity and Retirement and the Transamerica Center for Retirement Studies.
The survey covered 14,400 workers and 1,600 fully retired people in 15 countries across Europe, the Americas, Asia, and Australia.
In it, a global average of 39 percent say they are habitual savers, having checked a box that reads: “I always make sure that I am saving for retirement.”
For U.S. workers, it was 52 percent.
Only China beat that, at 55 percent of those surveyed.

Bullshit…check the box.