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They are less certain; therefore, depending on them for retirement income is a risky plan. The Social Security Department has frequently reported that future payouts of benefits could be in jeopardy. Additionally, many companies no longer offer pension plans, limiting the reliability of traditional retirement income sources.
The good news is you can depend on your own resources for future income by starting a savings plan such as a company 401(k) or an Individual Retirement Account. To maximize the payoffs of these types of accounts you need to start contributing early, but finding extra money to set aside for savings can be difficult...
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