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In “Will You Need to Work Until 70?”, I noted that you should expect reduced government benefits when you retire.

Part will be due to reduced actual payouts. Part will be due to increased retirement ages.

I believe that if you factor in current social security payouts in your retirement calculations, you will face a shortfall when you do retire.

I want to quickly highlight this point as it is crucial for a successful retirement. 

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I continually stress that people need to save for retirement.

The sooner you start the better. And the easier it is grow wealth through compound returns. But regardless if you are 20, 30, 40, or 50, you need to begin saving now and prudently invest for your later years.

If not, you may just find yourself greeting customers as they enter your local Walmart. 

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