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Saving enough for retirement is a major hurdle for many Americans, including those on the brink of bidding adieu to the working life at long last. According to several reports, millions of older folks are heading into their golden years with not enough to get by comfortably — or no savings at all.

From interest rates, inflation and real estate to stocks, bonds and crypto, 2023 has been a wild financial year that’s proven difficult to navigate — and not just for regular people worried about their 401(k) plans and household budgets.