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Ask millennials how they’re doing in saving for retirement and they’ll tell you they’re doing just fine. On the surface, that seems to be true. A new study by Principal Financial Group asked millennials (born between 1979 and 1992) about their retirement planning. Nearly 68 percent had started some sort of retirement savings before or at age 25. Six out of 10 millennials say they expect to be in better financial shape than their parents.

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