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Before we embrace these “one size fits all” analyses, perhaps we need to hear from 401k participants who shouldn’t be able to retire in comfort but do. (Photo: iStock)

The man sitting across the table from me remained unmoved. I tried to mimic his calm innocent demeanor. Inside, though, my mind raced. This man was heading towards a precipice, going sixty, with no brakes. And he had no idea.

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