Americans are, by reputation, irrepressibly optimistic. It’s clear, however, they need to get real when it comes to retirement planning. A recent Ameriprise Financial survey found that two out of three respondents say the road to retirement has been “smooth” — despite the market downturn, real estate collapse and high joblessness that marked the Great Recession.

Ameriprise’s study identifed a range of retirement “derailers,” events that can often set us back by thousands, if not tens of thousands, of dollars.  

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