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Many fixes have been proposed to solve the retirement crisis in America but none has been the cure-all parties could wish for.

Numerous bills have been proposed in Congress that would add new layers to an increasingly complicated retirement system, including those that would reform both the public pension and defined contribution systems in the U.S. Along with that, President Barack Obama has asked the Department of Treasury to put together a program called myRA to help those workers save for retirement who don’t have access to an employer-sponsored plan at work.

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