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Responding to a Growing Retirement Savings Crisis: A Promising Proposal in Illinois
Forty-five percent of all working-age households in the United States, or over 38 million households, have no retirement savings at all. A major reason for inadequate savings is the growing lack of access to an employment-based retirement savings account. Lower-wage workers are less likely to have access to easy and convenient tools to build retirement savings. New and proposed state-level programs, however, can offer these workers the opportunity to save their own money for retirement by expanding access to employment-based retirement savings accounts.
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