Fewer Workers, Higher Costs: What the Demographic Shift Means for Your Retirement

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 Smart planning today can help protect your future. Here’s what to consider. 

The average number of births per woman has dropped substantially over the past two decades. According to the Centers for Disease Control and Prevention (CDC), the U.S. fertility rate declined to 1.62 in 2023 — well below the replacement level of 2.1. This demographic shift is already reshaping the long-term outlook for public programs and financial markets. Economists — including Elon Musk and…

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