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9 signs clients aren’t saving enough for retirement On average, Americans spend at least 20 years in retirement, so it's crucial that they have saved enough to support their living costs through the golden years, according to this article on CBS Moneywatch. You will know that clients do not have sufficient savings if they haven't taken the initial steps to build their nest egg or they scramble to pay out-of-pocket medical expenses. Having credit card debt, or not being able to live for several months from their savings are other signs they have not saved enough. See the other red flags in this article.  --CBS Moneywatch

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