While some (very few) industry experts say there's little or nothing to fear on the retirement front, deep down inside we all know it's not true.

How else to explain how worried everyone is about retirement?

Insecurity on the job (or a complete absence of employment), low and frozen salaries, high expenses and unpredictable markets have thrown people into a tizzy over how they're going to afford to retire, or how they might be able to cheat their retirement demons by continuing to work.

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