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Can most Californians even afford to retire?

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Steven Johnson spent 19 years as a minimum wage laborer for a Los Angeles moving company, lifting heavy furniture and suffering three hernias along the way.

For the last decade, the 61-year-old has worked as a waiter and as a cook in fast-paced kitchens.

Now arthritis has swollen his knees. “I tried to tough it out, icing myself down,” Johnson said. But he’s had to cut back to two days a week.

Johnson’s income last year: $11,000. As for retirement savings, he says: “That would be a big, fat zero.”

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