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 Many of us dream of retirement, but the reality does not always match our imagination. Mangostar / Shutterstock.com

2024 marks a major retirement milestone: More Americans will turn 65 this year than ever before. About 12,000 people will celebrate such a birthday each day this year, according to the Nationwide Retirement Institute. Millions of them will likely retire sometime this year, and millions more are already in retirement. But although retirement is usually viewed as the long and uninterrupted final…

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