sub-Boomers don't have retirement plan in place

http://www.therecord.com/news/business/article/667379--younger-canadians-not-planning-for-retirement-as-much-as-boomers-rbc-poll-shows

D - strange that the web title is different than the paper one.
The paper one says, "younger Canadians struggle to plan for retirement, unlike boomers, polls shows" whereas the web version says, "Younger Canadians not planning for retirement as much as boomers, RBC poll shows", which puts a quite different spin on it. In one, the situation is happening to the young. In the other, they are failing to plan - it is their own fault.

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More than 70 per cent of respondents from both groups say they worry about balancing saving for immediate priorities with putting money aside for retirement.

However, while six-in-ten younger Canadians say they don’t have a plan, about the same number of older respondents said they’ve already got a road map in place.

More than half of baby boomers say they had a plan written down, compared with just over one-quarter of younger Canadians.

The banks says around 43 per cent of younger Canadians now have registered retirement savings plans, while 69 per cent of boomers have RRSPs...
There have been many surveys, reports and warning signs recently that have suggested Canadians, especially those close to retirement, have either not saved enough, are still in debt, or are being forced to work longer.

D - I'm thinking of pairing RRSPs and TFSAs in equal proportion. The TFSA is the 'safe' investment - likely to pan out no matter what, though with low returns.
Since I'm 40 with NO savings, and I'm still looking for full-time work (though I juggle TWO part-time ones), it seems unlikely I'll be in any position to max out RRSPs. In fact, I need a a Jack and the beanstalk style 'magic bean' solution to ever retire.
Clearly, according to the web headline, that is my fault. And my whole generation's.