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A few small moves today could spare you major stress down the road.

About 56 million American workers can’t save for retirement through their jobs, CBS News reports, citing Pew Charitable Trusts data. That’s nearly half of private-sector employees who miss out on automatic paycheck deductions and employer matches that make 401(k)s such effective savings tools. The gap is most severe for workers earning $37,000 or less. The Economic Innovation Group found that…
