By Blake Ellis

Are you prepared to live on $190 a month when you retire?

For most Americans in their 50s, that’s all the personal savings they’ll have to look forward to during retirement, according to Wells Fargo’s annual retirement survey.

The survey, which polled nearly 2,000 middle-class Americans ranging from 20 to 60 years old, found that Americans aren’t saving enough, they are underestimating the amount of money they will need in retirement, and they are more likely to end up working through retirement.

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