NOW the "Middlers" in 2012 
56 years old to 53 years old   

These people at least have a CHANCE in retirement of course it going to be difficult.   
13 to 10 years before retirement.    
They really need to save more bucks in their 401K  or IRA  at least 15% even 20% of your paycheck   

(I would definitely use the ROTH program-NO taxes)