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When it comes to saving for retirement, surveys tend to indicate that most Americans are still ignoring comprehensive retirement planning. Some simply cannot afford to put anything aside — stagnant wages and the recent COVID-19 pandemic have created many empty wallets – but even those with disposable income seem to prefer sitting in traffic or enduring a painful dental procedure to thinking about their lives 20 or 30 years into the future. In fact, before the pandemic, surveys found 66 percent of millennials had no retirement savings and the upheavals of last year have even forced some to dip into their 401k accounts

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