Piggy banks sit on the shelf at the After The Quake store February 5, 2009 in San Francisco, California. (Justin Sullivan/Getty Images)
Piggy banks sit on the shelf at the After The Quake store February 5, 2009 in San Francisco, California. (Justin Sullivan/Getty Images) ( Justin Sullivan/Getty Images)

Whatever the challenge, the first step is always the same: Pick up the thing on the top of the pile and decide what to do with it. Your retirement savings situation is no different, and there's a heap of evidence that says so.

Earlier this year, for example, the Employee Benefit Research Institute released findings indicating that, for people in the lowest 25 percent of incomes, the simple act of using an online calculator decreased the likelihood of running short of money in retirement by between 14 and 18 percentage points.

On its face, it's simple: Calculate what you'll need, and then you'll know what you need and can do something about it. With that in mind, we offer you this lighthearted financial literacy quiz to help you pick up wherever you left off learning about saving for retirement - even if you left off napping through a 401k informational meeting at the office.

Some of it is based loosely on the widely circulated FINRA financial literacy quiz, some of it is not, and all of it was made interactive for your enjoyment by The Denver Post's Leo Postovoit.

Follow @daveburdick for more personal finance news.