Eighty percent of all Americans don't save enough. Nor do they get a high enough return on their savings. The result? A low-income retirement.

Scott Burns learned this more than 35 years ago, while building the mathematical models for Squeeze It Till the Eagle Grins, his first book on personal finance. He demonstrated that for most Americans, their nest egg would replace no more than 50 percent of their earning power at retirement.

Published in 1972 by Doubleday, Squeeze It Till the Eagle Grins drew its title from a Depression-era blues song: "If I ever get a dollar again, I'll squeeze it, squeeze it, till the eagle grins."

Squeeze It Till the Eagle Grins was a Fortune Book Club selection. While much has changed since the writing of this book, the penurious retirement reality remains. The question is: What are you going to do about it?