Depression has been hanging heavy over the pre-retirement crowd, as study after study has made it clear that saving enough for a comfortable – wait, make that skimpy – retirement is simply beyond the reach of most people.

Buffeted by declines in the stock market and in home values, forced to make do with less thanks to salary cuts or unemployment, many Americans have given up hope of ever leaving the workplace voluntarily at retirement age.

Now, however, a glimmer of hope can be seen in a study that takes a less-than-conventional approach to examining the issue.

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