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 These factors are turning visions of a happy retirement into a bad dream for some folks. Krakenimages.com / Shutterstock.com

Everybody hopes to live out a dream retirement. But relatively few of us do, according to a recent survey. Just 4% of retirees are “living the dream,” according to a survey of 498 retired Americans by Schroders, a multinational asset management company. Even worse, another 4% of retirees say they are “living the nightmare” during what are supposed to be their golden years.

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