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An overwhelming majority of Americans aged 29 to 49 are worried about their retirement prospects, but they haven’t begun to save or plan for it, according to a study by retirement planning website eRollover.com.

The study, which was conducted by the independent Siena College Research Institute, found only about one in 10 Gen-Xers is very confident about being be able to maintain their standard of living when they retire, and 82 percent cannot say they are on their way to planning for a successful retirement.

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