With people living longer than ever before, thinking about retirement should be a top priority for Americans. Yet according to a study by MassMutual titled "Taking Chances," the future is something on which Americans consistently roll the dice.

The study, composed of two separate surveys, asked a total of 2,016 Americans ages 18 and older questions about the degree of planning that they do in preparation for various life events. The results indicated that respondents prioritize many life events over retirement planning, an approach the study calls misplaced.

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