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 Work eventually ends, but expenses go on. Here are some ways to make money without too much risk. DisobeyArt / Shutterstock.com

If you are ready to retire, “safe and smart” investments probably sound more appealing than ever before. Most of us want to dial down risk in our post-work years. Without a steady paycheck to count on, a little more caution seems prudent. But the reality is that while work eventually ends, expenses go on and on. Finding ways to cover those costs becomes one of your biggest post-career jobs.

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