A study done recently by Oppenheimer funds shows that people are one of four types of investors. First are the “Pensive Procrastinators.” These people are unprepared but they’re worried they haven’t done enough. The next group is the “Unrealistic Optimists.” They are not prepared and they don’t care. They’ve already been dipping into retirement accounts and spending most of what they have. “Nervous Nellys” are prepared for retirement, but they’re still worried. “Smooth Sailors” are prepared for retirement and they’re confident about their financial futures. So, of the four groups, which one has the most people? One out of three people are “Unrealistic Optimists,” which is a sobering statistic. Before you know it, it will be retirement age and you will have no money. Nervous Nellys represent about one-fourth of people and Smooth Sailors are one-fifth of the population. Clark hopes more people move into those two groups.