Unfortunately, millions of Americans over age 50 have little or no retirement savings. Many people in this difficult position have just buried their heads, as they just don’t know what to do or how they can possibly start building up a significant nest egg for retirement. They just shrug their shoulders and say I’ll have to get by on Social Security.

The hard truth, however, is that Social Security benefits will not even support a minimal lifestyle in retirement. In many cities, your Social Security benefit check won’t even cover the rent. Retired Americans today must have . . .

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