Generation X lacks confidence in social security and pensions.

Generation Xers expect Social Security and pensions will evaporate by the time they retire, according to a poll conducted by Harris Interactive for the AICPA.

Generation X represents more than 29 million adults born between 1964 and 1980. Survey results indicated the following:

* 55 percent of Gen-Xers surveyed said they will rely on savings and investments to carry them through their golden years

* 65 percent don't expect Social Security to be a retirement option

* 68 percent don't see pensions as a safety net

Gen Xers can take certain steps to build retirement savings, such as paying off credit card debt, enrolling in their company's 401(k) plan and opening an Individual Retirement Account.