10 Reasons Why It’s So Hard to Retire at 65

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You Didn’t Start Saving Early Enough

When you get your first job, retirement seems an awfully long time away. It’s easy to put off contributing to your retirement plan. Most Americans get married, buy a house and have a few children — and all those things cost money — leaving you little no extra money to put aside.

Starting early has lots of benefits. You get into a habit of saving, and you don’t feel like it’s a burden. Plus, you get the benefit of compound interest that helps your savings grow.

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