A recent survey, by Wells Fargo, finds an increasing amount of Americans expecting to work until they're 80 in order to retire comfortably.
Longer lives and uncertain finances are forcing people to work longer.
According to the census, the average Houstonian is a man in his early 30s, with kids, a modest income and a mortgage.
Like the vast majority of their neighbors, there's very little in the bank to fund retirement. Most, say financial experts, have less than $50,000 socked away.
"Most people do everything backwards," says financial advisor Lance Roberts, "They get their paycheck, they pay all their bills then 'Why can't we save any money?' Do your savings first. Pay yourself first for all the hard work that you've done; live off the balance."
Roberts says more people need to live within their means and save as much as 30 percent of their income to help fund their retirement.