Generation X is next in line to retire after baby boomers, but many of those workers are being hit with a harsh retirement reality check as experts warn working adults that many are falling short on the savings they'll need to retire comfortably.

According to Gallup , four in 10 Americans don't have money tucked into a retirement savings account like a 401(k) or IRA.

A separate survey from Bankrate found that three in five people feel behind on retirement savings.

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"There is a high degree of awareness about the challenge, then comes the question, well, what are we going to do about that?" said Mark Hamrick, senior economic analyst at Bankrate.

If you have an employer-sponsored savings program, Hamrick

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