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Young workers are reshaping how people work and as a result, they will require different strategies for building financial security and preparing for retirement, a challenge which must be met by employers, the government and individuals.

Day-to-day work and career trajectories are more fluid for younger workers than they were in the past, according to a new study by Aegon titled “The New Social Contract: Young Adults Reinventing life, work and retirement.” Nearly 70 percent of young adults between the ages of 20 and 29 — representing younger millennials and older Gen Z — expect to have far more job changes than previous generations, and less than 10 percent expect to work for a single employer for more than 20 years.

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