According to a new survey, only 14% of US workers are very confident they'll be able to retire comfortably—and more than 50% haven't even tried to calculate how much money they'll need. Workers are increasingly planning to keep working past the retirement age—37% said they expected to work after hitting 65, which is up from 11% two decades ago. If all of the above scares you and you want to start planning, Time offers up six myths about retirement saving that you'll need to get past first: