Retirees, in case you haven't noticed, are in trouble — money trouble. 

Retirement savings and Social Security benefits aren't providing enough for them to get by in — are you ready for this? — 49 out of the 50 states. That's according to, which released a study Thursday looking at just how much retirees fall short across the country. 

Experts are pretty much in agreement that retirees need at least 70 percent of their working incomes to retire in reasonable comfort, but, compared to folks still in the workplace, that just isn't happening in most places. In particular, places with high costs of living see seniors struggling with cost of food, gas, housing and other necessities. 

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