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(AP Photo/Rich Pedroncelli)

A new report by the Transamerica Center for Retirement Studies has found that despite the gloomy retirement outlook among many American workers, one in five, expect to retire before age 65.

The 12th Annual Transamerica Retirement Survey found that more than half of future early retirees have a college degree, 50 percent are under the age of 40 and nearly half report an annual household income of less than $100,000 per year.

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