()American savers are now better prepared financially for retirement than ever before, since YouTube’s inception. Millennials are especially worthy of a shout out for the amount they have been saving.

According to Fidelity Investments’ most recent biennial Retirement Savings Analysis study, this is despite being a positive report. However, it also shows that many of those surveyed are still not financially secure. “at risk”If they don’t make things right, they may not be able fully to pay for essential retirement expenses.

Fidelity calculated that the average saver would have 80 percent of the income needed to pay for retirement costs after accumulating the assets of respondents aged 25-74. This is the highest figure since 2005’s study, when it was only 62 percent. People were still learning the joys of watching cats perform strange tricks.

“It’s a significant improvement,”Ken Hevert, Fidelity’s senior vice president for retirement, said that the rise was due to both a higher average savings rate than 2006 (8.8 percent vs. 3.6%) and a better portfolio asset allocation.

Further, there were four categories that were color-coded to show the places where households fell on a retirement readyness spectrum. They were chosen based upon their ability to manage estimated expenses in a downmarket.

* Dark Green Thirty-two percent were on target to cover more than 95 percent of their freight (up 1 percent from 2016).

* Green. The 18 percent who were in the top ten for essentials looked good, but not enough to afford discretionary items such as travel (down 1%) from 2016.

* Yellow. Two-thirds of the respondents were not on track. “modest adjustments”They are likely to be required to live according their plans (down 1%) from 2016.

* Red. Twenty-eight percent definitely “need attention,”It is a slight increase of 1 percent over 2016

Perhaps the most surprising result of the study was the inclusion of Millennials.

Fidelity’s cross-generations scorecard revealed that the Generation X born between 1981-1992 has been surpassed for the first time. The latter will have 78 percent of the retirement funds they need, while the former will only have 1 percent. This is presumably because many of them have dipped into their savings to help pay the college tuitions for their Millennial offspring. “Millennials are clearly putting money aside for retirement and taking more control of their personal situations,”Hevert.

What about the Baby Boomers? They are collectively in the best place, especially the Baby Boomers who have increasingly scarce pensions and are currently on track to have saved 86 percent of what they will need.

Fidelity makes it easy for anyone who is curious to find out where they stand. retirement scoreOnline. If you want a comfortable retirement, you can have as much as 108 percent by taking all three of these strategies. “accelerators”You should save at least 15% of your annual income; ensure an age-appropriate asset portfolio; and delay Social Security benefits until you are at least 66 years old or 67.

“While these actions taken separately are clearly helpful,”Hevert: “doing all three could help bring you from good to great.”