For previous generations, retiring by age 65 with a nice pension was practically a guarantee. For the modern workforce, retirement age — and the concept of retirement itself — is a little more uncertain. In fact, a recent Merrill Edge report found that 83% of millennials plan to work during their retirement. Although it may not seem like a big deal when you’re young, working into your 60s and beyond can take a physical, mental and emotional toll. It’s wise to start planning for your retirement as early as
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