We all try to have a plan to save for retirement, but an Aegon study says that we need not just Plan A, but Plan B—just in case Plan A doesn't work out.

In its study "Successful Retirement—Healthy Aging and Financial Security," the Aegon Center for Longevity and Retirement finds that only 47 percent of Americans have a backup plan for retirement savings in case their projected goals of saving a specific amount for a specific period of time don't work out.

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