For a Comfortable Retirement

Today, you don't retire at 62 — unless you've been downsized out of work or you are a public employee. And you're going to live much longer than your parents and grandparents did, aren't you? Therefore, your money must last much longer. And that is the dilemma: If you fail to plan, you face the possibility of a retirement filled with poverty, welfare, and charity. Many justify their failure to save by saying they plan to work into their 70s, but few people actually do that. Retirement security doesn't come automatically. It's going to require effort and attention.

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