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According to new data from AARP, 57 million employees in the U.S. currently work for an employer that doesn't offer a traditional pension or retirement savings plan. Although this is a concerning statistic, it's not all that surprising. Individual financial independence and saving for the future is a commodity that is in short supply with the working class in this country. More importantly, there's a lack of understanding and experience to put money away for the "golden years."

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