Nearly a third of savers have less than $1,000 for retirement

[FBaggins]

9. I think you're misreading that

Yes... I also first wondered about the impact of the audience's age distribution...

... but your reply actually highlighted why the survey results are entirely valid. You seem to be saying that it might be reasonable for one in three or four people to have less than $1,000 in retirement savings because younger workers often don't start saving until later.

The problem is... that's the mistake. Your situation may work out just fine... but the average investor hitting retirement age who didn't start saving until she was 32... is going to regret it. I can't tell you how many millionaires I know who never made six-figure salaries in their entire careers - but retired comfortably because they started saving and investing when they were young. The longer you wait to start, the greater the sacrifices that you'll have to make when you most need the income for braces/college/weddings/etc.

Starting at age 32 should not be considered acceptable. That 18-30 age group is the one that needs to be targeted with better information regarding how critical that period is.