Millions of Americans are facing their own personal fiscal cliff, with half of middle class investors saying their most important day-to-day financial concern is paying the bills, never mind saving for retirement, according to a survey from Wells Fargo.

 “This is a real wake-up call,” said Laurie Nordquist, co-head of Wells’ Institutional Retirement and Trust unit. “Millions of middle class Americans really are potentially facing a retirement where they could be living in poverty.”

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