 Well, most Americans get a failing grade when it comes to retirement literacy. That's according to the American College of Financial Services. 89% of female participants flunked the 38-question quiz. Guys, don't puff your chest out too much. 72% of men failed the quiz. There is a clear gap in the scores, but the bottom line is most of us are lacking in the area of financial literacy, especially in the area of retirement. John Ember,