Hey Boomers, it's time for a little retirement reality check.

Boston College's Center for Retirement Research finds that 35% of boomers born between 1946 and 1954, and 44% of those born between 1955 and 1964 may not be able to retain their standard of living in retirement.

Have I scared you? I didn't mean to. I just want to get you to do something. The sooner you start, the easier it will be to catch up.

First, total up your 401(k), IRA and bank statements. Add to that your estimated social security benefit. If you can't locate your last statement, visit www.ssa.gov online to find your projected benefit.

If you're fortunate enough to also have a pension, ask your benefits office to run your numbers.

Then take all of this info to Fidelity Investments Retirement Quick Check Calculator. This will tell you how much you need to save each month to reach your goal.

Just doing the drill will increase your odds of achieving financial success!

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