How's this for a somber retirement forecast: The typical American worker has less than $1,000 saved for retirement, according to a new report from the National Institute on Retirement Security (NIRS). "The data are clear: Outside of high earners, Americans are choosing survival over savings and hoping to catch up later," NIRS executive director Dan Doonan told Yahoo Finance. "Even for those approaching retirement age — 55-to-64-year-olds — the median amount saved for retirement is only $30,000. We're looking at a looming crisis. These aren't just statistics — they represent millions of families who are doing everything right but still...