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Many Americans are approaching their later years without the financial resources they need to live securely. These populations include people from groups that are discriminated against as
well as many others who struggle to pay their bills and have little saved for emergencies. Too many people lack sufficient nest eggs for retirement. A strong Social Security system, better
access to workplace retirement plans, and more incentives to promote saving all play a role in helping individuals live out their lives with financial security. In addition, older adults
need to have the opportunity to work for as long as they need or desire. Government and the private sector each can take actions to encourage financial resilience for all.