The outlook for U.S. retirees is bleak, says Alicia Munnell, director of the Center for Retirement Research at Boston College. The options are increasingly aligning into three categories: poverty in old age with diminishing returns from Social Security, choosing to live a more austere life in working years while setting aside the large sums needed to have a decent retirement, or continuing to work well into what would normally be the retirement years.
Retirement years seen as time of poverty or extended work
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