For this discussion we will be taking about workers who are between 50 and 60 years of age who do not as of yet have any type of retirement plan. This isn't as far-fetched as that sounds.
In this day and age they are millions of people that have worked for a very long time that never gave a lot of thought for saving for retirement or didn't have the means to save properly.
Until 1974 there wasn't any IRA accounts available for the people and most retirement plans came from an employer. If
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