A new survey shows many of us are thinking about retirement, and are starting to realize it is not cheap.

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The survey comes from the Employee Benefit Research Institute. The Institute's Nevin Adams says 28 percent in the survey this year were not at all confident in their retirement prospects.

"Contrast that with 13 percent who did actually say that they were very confident in those prospects."

Almost half of those surveyed said they should be putting aside 20 to 30 percent of their incomes to comfortably retire.

The Institute's Jack VanDerhei says that's a good sign.

"Clearly they understand what it's going to take to get them to where they need to be at retirement age. Unfortunately we just haven't seen that translated into action yet in terms of increased savings."

"Something north of 70 percent were willing to put on the table a number greater than 10 percent," Adams adds.

Adams says worry about being able to retire was higher this year than it has been in the survey's 23-year history.

"Before they pull the trigger on retirement, they have to make sure that they really do have enough money to retire now," VanDerhei says.