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The best time to save for retirement is when we begin our careers, but that's when most of us have no money. Here's what the government and employers can do to help. (Photo: Getty)

(Bloomberg) — I wrote a column earlier this week about U.S. workers’ widespread and well-founded anxiety about retirement, and how, in the absence of any meaningful public or private efforts to address those concerns, many plan to work into their 70s.

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