Saving for retirement looks like it's on it's way to becoming a thing of the past. In a new study done by LIMRA, a trade association for the financial services industry, says about 49% of Americans aren't contributing to a 401(k) or an IRA. The reason for many is they just can't afford it. 56% of the 49% who aren't saving are age 18-34. A manager with LIMRA calls the trend disturbing.