A recent survey revealed many Americans aren't saving enough money for when their working days are over.

The most-often-cited reason people aren't putting enough cash aside for retirement is that they're focusing on other financial priorities, like current income, said's Greg McBride.

"Whether it's stagnant income or increasing income, rising household expenses, but in the lamest-excuse department, we have about 13 million working Americans that say they haven't increased their retirement contributions because they haven't gotten around to it," said McBride.

McBride said fewer than a third of working Americans have increased their retirement savings contributions compared to last year--that's still about double the rate back in 2011.

McBride added if you're not already saving at least 10 percent of your paycheck toward retirement, you should start ASAP.

"And then once you do, look to stair-step that up until you get to 15 percent.  15 percent of income's really the target that we should be aiming for, and that's simply because the burden of retirement savings is increasingly on our shoulders," said McBride.

McBride cited fewer employer-offered pensions, Social Security's uncertain future and longer lifespans as reasons to save more.