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5 Strategies for 40-Somethings Who Are Way Behind on Retirement Savings

There are a lot of scary retirement charts that tell you how much you should have saved for retirement. One commonly cited figure by Fidelity Investments says that by the time you’re 40, you should have three times your annual income set aside. If you’ve lived paycheck to paycheck for long stretches or carried significant student loan debt, you probably couldn’t afford to invest much in your 20s.

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