Allison Shelley/Getty ImagesYou've probably heard that most Americans aren't saving nearly as much as they should for retirement. But it's not just carefree 20-somethings putting retirement savings on the back burner. According to a recent survey by GoBankingRates, about 30% of those 55 and over admit to having no retirement savings whatsoever. Meanwhile, 26% report having balances of less than $50,000, which is far behind where the average person in that age group should be. And while the study confirms that Americans on the whole are failing to save adequately, it's older Americans without savings who have much more to worry about. Without independent savings, many older Americans will be forced to rely solely on Social Security income during retirement.