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We have all heard the news: America is facing a retirement crisis. For whatever reason – from the loss of traditional pension plans to lower wages – we simply aren’t saving enough to help us get through our golden years. And the numbers are staggeringly low. The median retirement savings for all families in the U.S. is less than the cost of a used car.

So, anything designed to help get Americans to save more and have less of a burden on society, in the end, is a good thing, right? Except that Congress has made moves to scuttle many Americans abilities to put savings away.

The reality is that this is another instance – similar to healthcare – where we’re going to increasingly be on our own. And that entails a whole host of different issues and planning tactics.

Congress Torpedoes State-Run Plans

The number from the Economic Policy Institute (EPI) on how much we’ve saved for retirement is a pretty sad statistic. According to the EPI, the mean retirement savings of all families is $95,776.

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