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You’ve probably heard this from your parents at least once: You get out of life what you put into it. According to the 2014 Retirement Confidence Survey from the Employee Benefit Research Institute (EBRI), the same applies to retirement planning.

On the surface, the survey results are encouraging. Confidence among workers inched up for the first time in seven years. Eighteen percent are very confident about their ability to have a comfortable retirement, versus 13 percent last year.

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