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 Making this key decision can have a powerful impact on how your golden years play out. pics five / Shutterstock.com

Early retirement is the goal for millions of workers. However, if you can’t wait to put office life behind you, T. Rowe Price has some unwelcome advice: Stay at your desk a few more years. Working just a bit longer can dramatically increase your odds of a successful retirement, according to the investment management firm. Running out of money is one of the biggest fears retirees face.

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