I get tired of reiterating studies on the shortfall between pre-retirement preparedness and post-retirement reality. But that doesn't mean workers should ignore the message; it just means they should filter the noise.

The statistics are startling, and what's even worse is there's no telling whether anyone's listening. But specifics on the obstacles pre-retirees need to confront can help narrow down the situation. Better to face challenges head-on than save as much as we can and hope for the best.

That being said, I'm glad researchers from the Robert Wood Johnson Foundation and the Harvard School of Public Health took a hard comparative look this week at views from those nearing retirement versus those who have retired. Unfortunately (or eye-opening, depending on how you look at it), 25 percent of retirees think life in retirement is worse than before they retired.

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