Welcome to the new world. No matter who you are or how robust your retirement savings might be, one thing is for sure: you've noticed that today's world is different. Most of us can remember a time when people invested money in the stock market, left it where was for thirty years, and retired comfortably. Perhaps you had grandparents with pensions who invested every penny of their savings in bank CDs and earned a healthy return that paid for your college. By now, you already know that things have changed.
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