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Lifetime Earnings, Social Security Benefits, and the Adequacy of Retirement Wealth Accumulation (PDF)
U.S. Social Security Administration [SSA] 
Oct. 5, 2005
20 pages. Excerpt: Issues addressed in this article include the adequacy of household retirement saving, controlling for lifetime earnings levels and uncertainty, and the examination of the role of Social Security in bolstering financial security. The authors show that reductions in Social Security benefits could have significant deleterious effects on the adequacy of saving, especially among low-income households.
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