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How to plan for retirement in your 70s and beyond Clients who are in their 70s and unable to finish their retirement plan are advised to continue working while they can and invest or save their Social Security benefits, according to the personal finance website Motley Fool. They also should reduce their spending as much as they can and continue being invested in stocks for greater returns. While they are required to take distributions from their retirement accounts, they can still save and invest this money outside these accounts. --Motley Fool

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