Every week, there seems to be a new retirement confidence survey. For those who are saving and planning, no worries. But others may have some issues.

recent survey from Corporate Insight shows that Americans fall on either side of the spectrum: Either they have been saving diligently or will fall short.

“Confidence and caution are generally sensible characteristics,” notes Kara Melber for CI. “However, when it comes to retirement planning, an excess of either can be disadvantageous.”