Political and financial pundits alike have talked about a retirement gap or even crisis for years. But as the demographic skews older the crisis is becoming more real.

Case in point: A new study by Professor Teresa Ghilarducci, an economic policy analysis expert at the New School for Social Research shows that 33% of current workers aged 55 to 64 are likely to be poor or near-poor in retirement based on their current levels of retirement savings and total assets. 

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