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" a new account today, they say. They are not wrong that we should be doing something: America is facing a retirement crisis. One in three Americans has no retirement savings at all. One in two reports that they can't save enough. On top of that, we are living longer, and health care costs, as we all know, are increasing...those advertisements are imploring us to start saving for one simple reason. Retirement is big business and very profitable." Martin Smith

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