When Principal Financial Group polled people about their finances, 85% said they worry they will run out of money before they die. However, few take the correct steps to save, the survey found. "A lot of people get their financial advice from family members, like the brother-in-law who has a lot of opinions on where you should invest your money," says Luke Vandermillen, vice president of retirement and investor services at Principal. "That's not the best way to do it."

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