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Retirement Without a Plan | Raleigh News
Fifty-six million Americans are left out of retirement savings, especially in small businesses where 78% lack access to 401(k)s. But hope is rising: 22 states now offer automatic individual savings accounts, with over a million participants and $3 billion saved. Without employer help, saving becomes harder — you’re on your own to pick investments, manage fees, and plan for inflation. Still, it’s possible: automate contributions, use catch-up limits if over 50, and choose the right IRA. The path’s tougher without a safety net, but with discipline and the right tools, you can still build your…
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