Americans are facing a retirement 'financial vortex,' says Goldman Sachs. Not having a plan makes it worse.

• Two new surveys show most Americans feel like they are behind on their retirement savings.
• More than half of those surveyed are worried they will have to delay retirement.
• Competing forces of the "financial vortex" and lack of financial plans are hurting retirement hopes.

Pressure from several different fronts has most Americans feeling behind on their retirement and like they will have to delay its start.

Goldman Sachs calls it a "financial vortex," and says simply having a plan can help Americans find their way through.