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People are trying to save for retirement, but face lots of problems—with high financial stress being one of them.

That’s according to new research from the John Hancock Retirement Plan Services 2015 Retirement Stress Survey, which found that although 42 percent of respondents overall have started saving for retirement, and 43 percent say they’re either on track or ahead of schedule in retirement savings, just 20 percent have actually figured out how much they’ll need in retirement.

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