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Irene Olsen works in Milford, Conn. Olsen 95 works 20 hours a week at the Milford Senior Center to pay for rising taxes and utilities. (AP Photo/Douglas Healey)

Many individuals who thought they would be able to retire when they reached age 65 are reconsidering because of the economic downturn and a sudden realization that they haven’t saved enough to live comfortably in retirement.

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