Some older Americans are more at ease with their retirement plans while younger people tend to be more indifferent and not ready to change their saving patterns.

Almost four in 10 Americans (39%) are not currently saving for retirement and, despite market losses, six in 10 Americans (62%) have not adjusted their thinking about what age they will retire, according to the Charles Schwab Real Life Retirement quarterly pulse survey.

Thirty-percent of those in the 55-63 age range felt "contentment" in describing their retirement preparedness. Fifty-one percent in that same age bracket have saved less than $500,000, though they most commonly believe they will need $2,000,000 to retire comfortably, according to the survey. To help bridge the $1,500,000 gap, 52% of this group are thinking they will retire later than planned, while 47% report they have not changed their thinking about retirement.

Of respondents 18-34 years-old, 35% feel "indifferent" when it comes to their retirement preparedness, with 11% citing "fear" and another 9% responding with "anxiety." Seventy-three percent said that despite the economy, they haven't changed their thinking about when they will retire. Nearly six in 10 (59%) confessed they are not currently saving for retirement. Among savers, an average of $23,000 has been set aside for retirement.