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A nest egg is simply a small retirement account that investors hope will grow enough over time to enable them to live comfortably after they stop working. If it fails to grow, however, it can lead to problems.

“Some account balances are cashed out early, while others are eaten away by administrative and management fees,” according to a report from Economic Studies at Brookings. Researchers David C. John, J. Mark Iwry, Christopher Pulliam, and William G. Gale authored the report.

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