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What's Really Jeopardizing Your Retirement?
Forbes; subscription may be required 
Oct. 24, 2012
"[E]mployees have become increasingly interested in retirement planning, but this interest has not always translated into better saving behavior.... [F]ewer employees report contributing enough to their employer's plan to get the full match or having an emergency fund while more report taking loans or hardship withdrawals from their employer's retirement plan. As a result, long-term retirement planning for many employees could be jeopardized by a failure in short-term money management."
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