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 Workers are spending more and saving less. Inside Creative House / Shutterstock.com

As costs rise and wages stagnate, it gets tougher and tougher to cover the bills. Having even a few dollars left in checking at the end of the month might feel like a victory. But the focus on covering daily essentials can mean shorting ourselves on retirement savings. More than 3 in 10 (32%) of workers surveyed by Schwab Retirement Plan Services say they are saving less in general due to…

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