couple watching sunset 2020 is coming faster than we realize. And retirement planning will be different then. Here's why.

Consider this: Just 45 years ago, there was no such thing as an IRA.

The 401(k) will turn 40 next year. Health savings accounts aren't even 15 years old.

The point is, retirement planning has changed drastically over the last fifty years, and workers' options continue to evolve year after year.

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