If you haven't started saving for retirement, you're not alone. A study by the Employment Benefit Research Institute finds that a majority of workers have less than $25,000 in savings.

Many said that saving for retirement has taken a backseat to more immediate financial concerns.

About 42% of survey respondents said a lack of job security is the biggest issue they are facing, with only 28% of workers saying they feel very confident they will have a paying job for as long as they need it.

Meanwhile, 62% -- nearly two-thirds -- of workers said their debt is a problem.

As a result, many workers barely have any savings, with about 60% of workers reporting total savings and investments of under $25,000.

About 30% of these respondents said they have less than $1,000 in savings.

"With gas prices the way they are and just how expensive this state is, I can't afford to save anything. I'm barely getting by working three jobs" said Tony, a 24 year-old Toms River resident.

A 45 year-old woman from Brick said even with two salaries, her family can't put much away.

"Save? My husband and I have a mortgage, kids to pay for, its really hard to save in New Jersey."

"We are struggling...we get by, but its tough" said a middle-aged man from Bayville.

Still, others are able to set something aside.

"I planned for it early on and my job has a good 401k plan. Its something that I do think about" said a woman from Manchester.

"Its all about budgeting and not racking up credit card bills and just buying what we need" said a man from Toms River, who has a wife and three kids.

The study also found that some people are delaying retirement, others are behind in savings, and others don't even have a rainy day fund.

"If something happened and I needed emergency money, I would really be in trouble" said a 34 year old man from Lakewood.

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