Americans worry changes to retirement system will upend their plans [Video]

Last year, Americans’ confidence that they would have enough money to live comfortably in retirement fell the most since the global financial crisis.

New research shows both workers’ and retirees’ confidence has not recovered. But some signs of optimism have emerged, particularly as wage growth now outpaces inflation growth, according to the Employees Benefit Research Institute and Greenwald Research.

More from Personal Finance:Most retirees don’t delay Social Security benefitsWomen reaching ‘peak 65’ more likely to struggle in retirementAmericans think they need almost $1.5 million to retire

The more than 2,500 Americans surveyed said certain factors are most likely to throw them off course — for example, an increasing cost of living that will make it harder to save and the U.S. government making significant changes to the retirement system.

The latter worry comes as both retirees and workers expect to rely on three sources of income in their golden years: Social Security, workplace retirement savings …