Starting to save early and unwaveringly is the only way for people to arrange the kind of retirement for themselves where they can afford the life they envision, ever since pensions evaporated and Social Security does not offer much certainty. To serve modern, changing retirement needs, Americans need to understand that starting when they are between 20 and 29 is the key. It will be much, much harder later on to save enough to make up lost time.

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