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3. Work Longer Week. This campaign dispels Americans' glum, widely held view that they'll never be able to retire. The more cheerful message: Working even a few years longer can do the trick. Each additional year of work means fewer years relying on a nest egg to fund retirement, more years of contributions to retirement accounts and a higher monthly Social Security income through delayed filing. Morningstar research shows that delaying retirement for two years boosts your odds of achieving retirement income goals by 37 percent; a three-year delay improves the outlook by 55 percent.
