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Many retiring workers either don’t have savings or inadequate savings, to sustain them Beyond Retiring. This puts them in a financial bind Beyond Retiring because they don’t have a Financial Safety Net. Oftentimes they chose not to participate in any employer benefits packages.   

Persons in this situation, are sometimes forced to delay retiring or take extra jobs after Retiring. A large portion of the Work Force in America is made up of workers who are Self-employed. A significant number of these individuals have not set up any type of Retirement Plan,  nor do they have savings, or inadequate savings.

This can necessitate their having to continue to work Beyond Retiring age. This is why so many persons fall into poverty Beyond Retiring. Help from Government agencies is very challenging due to tight State Local and federal Budgets. 

(More to come on this subject.)