Nearly 40% of 18- to 24-year-olds and 60% of 25- to 34-year-olds are concerned about having enough money for retirement. And of this younger set, 36% of 18- to 24-year-olds and 49% of 25 to 34-year-olds are actively planning on their own without the help of a professional financial advisor. While 59% of 18- to 24-year-olds said they saved for retirement in 2006, that number jumped to 89% who said they would save for retirement in 2007. Of 25- to 34-year-olds, 70% saved for retirement in 2006, while 85% indicated they will save for retirement in 2007. Americans in these younger age groups have lofty goals to reach: 39% of 18- to 24-year-olds and 39% of 25- to 34-year-olds want to have $1 mln or more saved for retirement; 12% of 18- to 24-year-olds and 9% of 25- to 34-year-olds hope to have more than $5 mln, Scottrade study says.