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We’ve all heard it before: The best time to start saving for retirement was yesterday.

But many workers, particularly young, low-income and part-time workers, are more likely to not have a retirement plan through their jobs.

Nearly half of private sector employees ages 25 to 64 in Kentucky work for a company that does not offer a retirement plan. That’s approximately 566,780 people, according to a new report from the left-leaning Kentucky Center for Economic Policy.  

“States are needing to step in,” says Ashley Spalding, research and policy associate at the center. 

Spaulding authored the study, which recommends a state-sponsored plan that would automatically deduct savings out of a worker’s check.

For months, Kentucky lawmakers have been studying how to handle Kentucky's underfunded pension system. But the problems of the system have been occurring for longer than just a few months. Various proposals are on the table, but lawmakers may not have much time to come to a compromise.