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According to the NIRS, the median retirement savings balance for all working-age households is merely $3,000. Sure, that includes young people who haven’t saved much, but the near-retirement households aren’t doing much better. The median retirement saving balance for households ages 55-64 is just $12,000. A lot of families are going to have a rude awakening when they finally retire and realize they have to downgrade their lifestyle significantly.
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