A recent poll conducted by Harris Interactive found that 75 percent of Americans described their retirement preparations as being based on some sort of a guess compared to 22 percent who said their plan was based on calculations. The numbers offer further evidence that Americans are in need of better education and financial preparation leading up to their retirement. For example, participants estimated their out-of-pocket healthcare costs in retirement would total $47,000, far below the $260,000 calculated by the Center for Retirement Research. Also, the number of respondents who said they aren’t confident they will have saved enough to live comfortably in retirement rose from 42 percent in 2011 to 53 percent this year. The poll was conducted via telephone and interviewed 1,000 middle-class Americans between the ages of 25 and 75. More here.