It's not a secret that Americans are woefully behind on retirement savings. Almost half of U.S. households have no independent savings to show for, or so reports the Economic Policy Institute. It's therefore encouraging to hear that younger workers are recognizing the need to ramp up their personal savings game.According to a new Bank of America Merrill Lynch report, workers aged 25 to 37 expect that 65% of their retirement income will come from their own savings and other personal sources, as opposed to just Social Security.