Retirement savings statistics are usually pretty depressing. For instance, a recent study from the National Institute on Retirement Security found that the median retirement account balance across all age groups is $3,000, and for those nearest to retirement, the median is only slightly higher, at $12,000. To add insult to injury, companies have quietly been shifting their benefits packages for years now, making those paltry savings account balances even more troubling when it comes to younger workers. Today's retirement accounts are not the same as they used to be -- not even close -- but Lauren Lyons Cole shows you how to get by.

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