With more than half of workers reporting less than $25,000 in savings, according to 2013 data from the Employee Benefit Research Institute, the reality of retirement saving is unpleasant for many Americans today. Worse yet, some of these savers may be compounding the problem by deluding themselves. Kenneth N. Bickford Jr., a certified financial planner at Bickford, Angier & Associates in Reno, Nev., says that some get discouraged because they misunderstand the nature of retirement saving. “People think they need to save large amounts for retirement,” Bickford says. “What they don't understand is that it's about being consistent. Small amounts, when gathered consistently, can amount to a lot over time.” But the misapprehensions don't end there. Savers may hold a number of questionable assumptions about their finances, and these can lead to them making faulty excuses for neglecting their retirement savings. To salute America Saves Week (Feb. 24 through March 1), here are five excuses to avoid when planning your retirement.