Despite the general impression that baby boomers near retirement are headed for more work or the poorhouse, some studies indicate that this age group is no more vulnerable than any other -- particularly when considering all sources of potential income, including real estate, IRAs and business assets. It's not a universal, however, as people in certain demographic segments, such as high-school dropouts, single mothers and African-Americans, are more likely to have to rely on Social Security as their retirement income.

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