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

Couple with a piggy bank
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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…

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