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*Dave Swoyer, right, 52, stands near his father John Swoyer, 84, in his father's home Wednesday, Feb. 3, 2010, in Barrington, N.J. John, a widower, has asked his son, Dave, for financial help.(AP Photo/Mel Evans)

The economy is poor, retirement funds are down, and wages have been stagnant for years. Workers across all generations are feeling the effects, especially the baby boomers who can’t afford to retire, says John Sweeney, human resources knowledge adviser for the Society for Human Resource Management.

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