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.



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