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The plans for many people have been altered and may never get back on the same trajectory. Many companies suspended 401(k) matches, reduced compensation, laid off people, or demoted them. People stopped contributing to retirement plans and moved assets to cash.

Entire industries have come to a screeching halt during the COVID-19 pandemic and are slowly crawling back from the ashes. Conversely, a small segment of the population actually did very well during this time frame.

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